Unless there is some state requirement, if as Richard says you created a requirement to disclose this, I'd work on removing that requirement. It creates work. If the borrower later contests the debt with a "that wasn't me defense" that's when you'll pull that out and say it was, because...
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell