Report account not paying
curl --request POST \
--url https://api.consumer.younegotiate.com/accounts/{consumer}/report-not-paying \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"reason_id": 7,
"other": "I need more documentation"
}
'import requests
url = "https://api.consumer.younegotiate.com/accounts/{consumer}/report-not-paying"
payload = {
"reason_id": 7,
"other": "I need more documentation"
}
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({reason_id: 7, other: 'I need more documentation'})
};
fetch('https://api.consumer.younegotiate.com/accounts/{consumer}/report-not-paying', 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}/report-not-paying",
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([
'reason_id' => 7,
'other' => 'I need more documentation'
]),
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}/report-not-paying"
payload := strings.NewReader("{\n \"reason_id\": 7,\n \"other\": \"I need more documentation\"\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}/report-not-paying")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"reason_id\": 7,\n \"other\": \"I need more documentation\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.consumer.younegotiate.com/accounts/{consumer}/report-not-paying")
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 \"reason_id\": 7,\n \"other\": \"I need more documentation\"\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"
},
"next_action": {
"key": "manage_plan",
"label": "Manage Plan"
}
}
}{
"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": {}
}Report account not paying
Report a ready-to-negotiate account as not paying, or disputed when the selected reason is Dispute - this is not my account. Account Settled/Paid is an informational no-pay reason and follows the normal reported-not-paying state transition; it does not settle the account. Pending creditor response and already accepted offer states are rejected. The backend clears negotiation/payment flags, deletes account negotiations, and moves the account into the Disputed/Not Paying tab.
POST
/
accounts
/
{consumer}
/
report-not-paying
Report account not paying
curl --request POST \
--url https://api.consumer.younegotiate.com/accounts/{consumer}/report-not-paying \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"reason_id": 7,
"other": "I need more documentation"
}
'import requests
url = "https://api.consumer.younegotiate.com/accounts/{consumer}/report-not-paying"
payload = {
"reason_id": 7,
"other": "I need more documentation"
}
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({reason_id: 7, other: 'I need more documentation'})
};
fetch('https://api.consumer.younegotiate.com/accounts/{consumer}/report-not-paying', 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}/report-not-paying",
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([
'reason_id' => 7,
'other' => 'I need more documentation'
]),
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}/report-not-paying"
payload := strings.NewReader("{\n \"reason_id\": 7,\n \"other\": \"I need more documentation\"\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}/report-not-paying")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"reason_id\": 7,\n \"other\": \"I need more documentation\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.consumer.younegotiate.com/accounts/{consumer}/report-not-paying")
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 \"reason_id\": 7,\n \"other\": \"I need more documentation\"\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"
},
"next_action": {
"key": "manage_plan",
"label": "Manage Plan"
}
}
}{
"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": {}
}Authorizations
Bearer authentication header of the form Bearer <token>, where <token> is your auth token.
Path Parameters
Consumer account ID.
Body
application/json
ID from GET /accounts/not-paying-reasons. Account Settled/Paid records a normal not-paying reason; only Dispute - this is not my account creates the disputed state.
Example:
7
Custom consumer-entered reason. When present, the backend creates a non-system reason and stores it on the account.
Maximum string length:
100Example:
"I need more documentation"
Response
Account reported as not paying or disputed.
Examples:
"Negotiation restarted."
"Your account can be found in new offers."
"Your account plan has been successfully placed on hold."
"Your account plan has been successfully restarted."
"Your first pay date update successfully."
"Awesome! Your offer was sent to your creditor!"
"We have updated your account status and sent your response to the hosting YN member."
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Last modified on July 19, 2026
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