curl --request POST \
  --url https://api.consumer.younegotiate.com/accounts/{consumer}/offers/payment-plan \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "first_pay_date": "2026-06-10",
  "action_context": {
    "consumer_id": 123,
    "active_negotiation_id": 123,
    "state": "<string>",
    "version": "2023-11-07T05:31:56Z"
  }
}
'

import requests

url = "https://api.consumer.younegotiate.com/accounts/{consumer}/offers/payment-plan"

payload = {
    "first_pay_date": "2026-06-10",
    "action_context": {
        "consumer_id": 123,
        "active_negotiation_id": 123,
        "state": "<string>",
        "version": "2023-11-07T05:31:56Z"
    }
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    first_pay_date: '2026-06-10',
    action_context: {
      consumer_id: 123,
      active_negotiation_id: 123,
      state: '<string>',
      version: '2023-11-07T05:31:56Z'
    }
  })
};

fetch('https://api.consumer.younegotiate.com/accounts/{consumer}/offers/payment-plan', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.consumer.younegotiate.com/accounts/{consumer}/offers/payment-plan",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'first_pay_date' => '2026-06-10',
    'action_context' => [
        'consumer_id' => 123,
        'active_negotiation_id' => 123,
        'state' => '<string>',
        'version' => '2023-11-07T05:31:56Z'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.consumer.younegotiate.com/accounts/{consumer}/offers/payment-plan"

	payload := strings.NewReader("{\n  \"first_pay_date\": \"2026-06-10\",\n  \"action_context\": {\n    \"consumer_id\": 123,\n    \"active_negotiation_id\": 123,\n    \"state\": \"<string>\",\n    \"version\": \"2023-11-07T05:31:56Z\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.consumer.younegotiate.com/accounts/{consumer}/offers/payment-plan")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"first_pay_date\": \"2026-06-10\",\n  \"action_context\": {\n    \"consumer_id\": 123,\n    \"active_negotiation_id\": 123,\n    \"state\": \"<string>\",\n    \"version\": \"2023-11-07T05:31:56Z\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.consumer.younegotiate.com/accounts/{consumer}/offers/payment-plan")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"first_pay_date\": \"2026-06-10\",\n  \"action_context\": {\n    \"consumer_id\": 123,\n    \"active_negotiation_id\": 123,\n    \"state\": \"<string>\",\n    \"version\": \"2023-11-07T05:31:56Z\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "message": "<string>",
  "data": {
    "account": {
      "id": 123,
      "identity": {
        "account_name": "<string>",
        "account_number": "<string>",
        "member_account_number": "<string>",
        "reference_number": "<string>",
        "statement_id_number": "<string>",
        "subclient_account_number": "<string>",
        "consumer_name": "<string>",
        "last4ssn": "<string>"
      },
      "display": {
        "state": {
          "label": "<string>",
          "card_label": "<string>",
          "priority": 123
        },
        "condition": {
          "label": "<string>"
        },
        "view_flags": {
          "is_installment_payment_plan": true,
          "is_scheduled_settlement": true,
          "is_agreed_installment_payment_plan": true,
          "is_agreed_settlement": true,
          "is_cancelled_plan": true,
          "is_declined_closed_negotiation": true,
          "is_pending_settlement_offer": true,
          "is_counter_settlement_offer": true,
          "is_active_installment_offer": true,
          "is_returned_notice_response": true,
          "is_creditor_removed_dispute_no_pay": true,
          "is_no_pay_creditor_removed": true
        },
        "amounts": {
          "payoff_balance": "2125.00",
          "settlement_payoff_balance": "1750.00",
          "current_balance": "2500.00",
          "original_balance": "2500.00",
          "my_settlement_offer": "100.00",
          "creditor_settlement_offer": "490.00",
          "active_installment_payoff_balance": "2125.00"
        },
        "balance_items": [
          {
            "key": "payoff_balance",
            "label": "Payoff Balance",
            "amount": "2125.00",
            "amount_label": "$2,125.00"
          }
        ],
        "offer_summary_items": [
          {
            "key": "payoff_balance",
            "label": "Payoff Balance",
            "amount": "2125.00",
            "amount_label": "$2,125.00"
          }
        ],
        "payment_plan_meta_items": [
          {
            "key": "next_due_date",
            "label": "Next Due Date",
            "value": "Jun 15, 2026"
          }
        ],
        "settlement_schedule_date": "<string>",
        "available_actions": [
          {
            "key": "manage_plan",
            "label": "Manage Plan"
          }
        ]
      },
      "status": {
        "value": "payment_accepted",
        "label": "Payment Plan"
      },
      "hold_reason": "Need a short break from payments.",
      "flags": {
        "payment_setup": true,
        "offer_accepted": true,
        "counter_offer": true,
        "has_failed_payment": true,
        "custom_offer": true,
        "membership_active_account": true
      },
      "dates": {
        "placement_date": "2023-12-25",
        "expiry_date": "2023-12-25",
        "restart_date": "2023-12-25",
        "last_login_at": "2023-11-07T05:31:56Z",
        "disputed_at": "2023-11-07T05:31:56Z",
        "cancelled_at": "2023-11-07T05:31:56Z",
        "deactivated_at": "2023-11-07T05:31:56Z"
      },
      "company": {
        "id": 123,
        "company_name": "<string>",
        "about_us": "<p>ABC Collections works with consumers on flexible repayment options.</p>"
      },
      "subclient": {
        "id": 123,
        "subclient_name": "<string>",
        "unique_identification_number": "<string>"
      },
      "reason_label": "<string>",
      "balances": "<unknown>",
      "offer_summary_items": [
        "<unknown>"
      ],
      "payment_plan_meta_items": [
        "<unknown>"
      ],
      "active_negotiation": {
        "id": 123,
        "negotiation_type_label": "<string>",
        "active_negotiation": true,
        "offer_accepted": true,
        "offer_accepted_at": "2023-11-07T05:31:56Z",
        "counter_offer_accepted": true,
        "first_pay_date": "2023-12-25",
        "monthly_amount": "<string>",
        "no_of_installments": 123,
        "last_month_amount": "<string>",
        "one_time_settlement": "<string>",
        "negotiate_amount": "<string>",
        "counter_one_time_amount": "<string>",
        "counter_negotiate_amount": "<string>",
        "counter_monthly_amount": "<string>",
        "counter_no_of_installments": 123,
        "counter_first_pay_date": "2023-12-25",
        "consumer_offer_sent_at": "2023-11-07T05:31:56Z",
        "creditor_counter_offer_sent_at": "2023-11-07T05:31:56Z",
        "last_offer_type": "<string>"
      },
      "scheduled_payment": {
        "id": 123,
        "date": "2023-12-25",
        "amount": "<string>",
        "status": "<string>"
      },
      "notice_response": {
        "id": 123,
        "account_name": "<string>",
        "account_number": "<string>",
        "notice_balance": "<string>",
        "status": 123,
        "status_label": "<string>",
        "reason_label": "<string>",
        "sender_detail": {
          "id": 123,
          "sender": {
            "id": 123,
            "company_name": "Acme Collections",
            "company_phone": "(900) 509-1111",
            "company_email": "jsmith@example.com",
            "company_address1": "<string>",
            "company_address2": "<string>",
            "company_city": "<string>",
            "company_state": "<string>",
            "company_zip": "<string>",
            "company_url": "<string>"
          }
        }
      },
      "created_at": "2023-11-07T05:31:56Z",
      "updated_at": "2023-11-07T05:31:56Z"
    },
    "offer": {
      "account": {
        "id": 123,
        "identity": {
          "account_name": "<string>",
          "account_number": "<string>",
          "member_account_number": "<string>",
          "reference_number": "<string>",
          "statement_id_number": "<string>",
          "subclient_account_number": "<string>",
          "consumer_name": "<string>",
          "last4ssn": "<string>"
        },
        "display": {
          "state": {
            "label": "<string>",
            "card_label": "<string>",
            "priority": 123
          },
          "condition": {
            "label": "<string>"
          },
          "view_flags": {
            "is_installment_payment_plan": true,
            "is_scheduled_settlement": true,
            "is_agreed_installment_payment_plan": true,
            "is_agreed_settlement": true,
            "is_cancelled_plan": true,
            "is_declined_closed_negotiation": true,
            "is_pending_settlement_offer": true,
            "is_counter_settlement_offer": true,
            "is_active_installment_offer": true,
            "is_returned_notice_response": true,
            "is_creditor_removed_dispute_no_pay": true,
            "is_no_pay_creditor_removed": true
          },
          "amounts": {
            "payoff_balance": "2125.00",
            "settlement_payoff_balance": "1750.00",
            "current_balance": "2500.00",
            "original_balance": "2500.00",
            "my_settlement_offer": "100.00",
            "creditor_settlement_offer": "490.00",
            "active_installment_payoff_balance": "2125.00"
          },
          "balance_items": [
            {
              "key": "payoff_balance",
              "label": "Payoff Balance",
              "amount": "2125.00",
              "amount_label": "$2,125.00"
            }
          ],
          "offer_summary_items": [
            {
              "key": "payoff_balance",
              "label": "Payoff Balance",
              "amount": "2125.00",
              "amount_label": "$2,125.00"
            }
          ],
          "payment_plan_meta_items": [
            {
              "key": "next_due_date",
              "label": "Next Due Date",
              "value": "Jun 15, 2026"
            }
          ],
          "settlement_schedule_date": "<string>",
          "available_actions": [
            {
              "key": "manage_plan",
              "label": "Manage Plan"
            }
          ]
        },
        "status": {
          "value": "payment_accepted",
          "label": "Payment Plan"
        },
        "hold_reason": "Need a short break from payments.",
        "flags": {
          "payment_setup": true,
          "offer_accepted": true,
          "counter_offer": true,
          "has_failed_payment": true,
          "custom_offer": true,
          "membership_active_account": true
        },
        "dates": {
          "placement_date": "2023-12-25",
          "expiry_date": "2023-12-25",
          "restart_date": "2023-12-25",
          "last_login_at": "2023-11-07T05:31:56Z",
          "disputed_at": "2023-11-07T05:31:56Z",
          "cancelled_at": "2023-11-07T05:31:56Z",
          "deactivated_at": "2023-11-07T05:31:56Z"
        },
        "company": {
          "id": 123,
          "company_name": "<string>",
          "about_us": "<p>ABC Collections works with consumers on flexible repayment options.</p>"
        },
        "subclient": {
          "id": 123,
          "subclient_name": "<string>",
          "unique_identification_number": "<string>"
        },
        "reason_label": "<string>",
        "balances": "<unknown>",
        "offer_summary_items": [
          "<unknown>"
        ],
        "payment_plan_meta_items": [
          "<unknown>"
        ],
        "active_negotiation": {
          "id": 123,
          "negotiation_type_label": "<string>",
          "active_negotiation": true,
          "offer_accepted": true,
          "offer_accepted_at": "2023-11-07T05:31:56Z",
          "counter_offer_accepted": true,
          "first_pay_date": "2023-12-25",
          "monthly_amount": "<string>",
          "no_of_installments": 123,
          "last_month_amount": "<string>",
          "one_time_settlement": "<string>",
          "negotiate_amount": "<string>",
          "counter_one_time_amount": "<string>",
          "counter_negotiate_amount": "<string>",
          "counter_monthly_amount": "<string>",
          "counter_no_of_installments": 123,
          "counter_first_pay_date": "2023-12-25",
          "consumer_offer_sent_at": "2023-11-07T05:31:56Z",
          "creditor_counter_offer_sent_at": "2023-11-07T05:31:56Z",
          "last_offer_type": "<string>"
        },
        "scheduled_payment": {
          "id": 123,
          "date": "2023-12-25",
          "amount": "<string>",
          "status": "<string>"
        },
        "notice_response": {
          "id": 123,
          "account_name": "<string>",
          "account_number": "<string>",
          "notice_balance": "<string>",
          "status": 123,
          "status_label": "<string>",
          "reason_label": "<string>",
          "sender_detail": {
            "id": 123,
            "sender": {
              "id": 123,
              "company_name": "Acme Collections",
              "company_phone": "(900) 509-1111",
              "company_email": "jsmith@example.com",
              "company_address1": "<string>",
              "company_address2": "<string>",
              "company_city": "<string>",
              "company_state": "<string>",
              "company_zip": "<string>",
              "company_url": "<string>"
            }
          }
        },
        "created_at": "2023-11-07T05:31:56Z",
        "updated_at": "2023-11-07T05:31:56Z"
      },
      "action_context": {
        "consumer_id": 123,
        "active_negotiation_id": 123,
        "version": "2023-11-07T05:31:56Z"
      },
      "offer_options": {
        "settlement": {
          "negotiation_type": "<unknown>",
          "amount": "500.00",
          "discounted_amount": "500.00",
          "discount_percent": "50.00",
          "first_pay_date": "2023-12-25"
        },
        "payment_plan": {
          "negotiation_type": "<unknown>",
          "installment_type": "<unknown>",
          "payment_plan_balance": "750.00",
          "monthly_amount": "75.00",
          "no_of_installments": 10,
          "last_month_amount": "<string>",
          "discounted_amount": "250.00",
          "discount_percent": "25.00",
          "first_pay_date_min": "2023-12-25",
          "first_pay_date_max": "2023-12-25"
        },
        "custom": {
          "negotiation_types": [
            {
              "value": "<string>",
              "label": "<string>"
            }
          ],
          "installment_types": [
            {
              "value": "<string>",
              "label": "<string>"
            }
          ],
          "amount_minimums": {
            "settlement": "5.00",
            "payment_plan_monthly": "7.50"
          },
          "first_pay_date_min": "2023-12-25",
          "first_pay_date_max_for_auto_accept": "2023-12-25"
        }
      },
      "active_negotiation": {
        "id": 123,
        "negotiation_type_label": "<string>",
        "my_last_offer": {
          "one_time_settlement": "<string>",
          "payment_plan_balance": "<string>",
          "monthly_amount": "<string>",
          "first_pay_date": "2023-12-25",
          "note": "<string>",
          "sent_at": "2023-11-07T05:31:56Z"
        },
        "creditor_offer": {
          "one_time_settlement": "<string>",
          "payment_plan_balance": "<string>",
          "monthly_amount": "<string>",
          "first_pay_date": "2023-12-25",
          "note": "<string>",
          "sent_at": "2023-11-07T05:31:56Z"
        },
        "last_offer_type": "<string>"
      },
      "available_actions": [
        {
          "key": "manage_plan",
          "label": "Manage Plan"
        }
      ],
      "pay_terms": {
        "type": "individual",
        "type_label": "Individual",
        "pif_balance_discount_percent": "50.00",
        "ppa_balance_discount_percent": "25.00",
        "min_monthly_pay_percent": "10.00",
        "max_days_first_pay": 12,
        "max_first_pay_date": "2023-12-25",
        "settlement_auto_approve_enabled": true,
        "payment_plan_auto_approve_enabled": true,
        "pay_term_custom_rules": {}
      }
    },
    "next_action": {
      "label": "<string>"
    }
  }
}

{
  "message": "<string>"
}

{
  "message": "<string>"
}

{
  "message": "<string>"
}

{
  "code": "profile_incomplete",
  "message": "Please complete your communication profile before viewing accounts.",
  "required_steps": [
    "profile_communication"
  ]
}

{
  "message": "<string>",
  "errors": {}
}