> ## Documentation Index
> Fetch the complete documentation index at: https://docs.younegotiate.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Download Consumer Profile agreement

> Download the settled consumer agreement PDF from the Consumer Profiles detail page. The account must belong to the authenticated creditor company and assigned subclient, when applicable. Only settled accounts can download an agreement.



## OpenAPI

````yaml /api/creditor.openapi.yaml get /manage-consumers/{consumer}/agreement
openapi: 3.1.0
info:
  title: YouNegotiate Creditor API
  version: '2.0'
  description: >-
    Stateless API endpoints for creditor portal authentication and account
    access.
servers:
  - url: https://api.creditor.younegotiate.com
    description: Production
security: []
tags:
  - name: System
    description: Public creditor domain system and health endpoints.
  - name: Authentication
    description: Creditor registration, login, password, and email verification endpoints.
  - name: Account Settings
    description: >-
      Authenticated creditor profile, contact, operating-hours, and
      profile-image endpoints.
  - name: Account Profile
    description: >-
      Creditor onboarding profile, membership, billing, and setup status
      endpoints.
  - name: Setup Wizard
    description: >-
      Creditor setup wizard status, required-step completion, and optional-step
      completion.
  - name: Dashboard
    description: Creditor dashboard work queues and performance widgets.
  - name: Import / Export
    description: >-
      Creditor consumer import upload sessions, queued imports, history,
      downloads, and failed-row files.
  - name: Membership Settings
    description: >-
      Creditor membership dashboard, plan changes, payment method, cancellation,
      special-plan inquiry, and over-limit retry endpoints.
  - name: Merchant Account
    description: >-
      Existing merchant processor credentials, Tilled onboarding, and merchant
      application endpoints.
  - name: Header Profiles
    description: >-
      CSV header profile upload, mapping, download, and setup wizard completion
      endpoints.
  - name: SFTP Connections
    description: >-
      Creditor-managed SFTP connection profiles for imports, exports, and setup
      wizard completion.
  - name: Sub Accounts
    description: >-
      Creditor-managed sub account list, export, create, update, and delete
      endpoints.
  - name: Pay Terms Offers
    description: >-
      Creditor-managed master, sub-account, group, and group-sub-account Pay
      Terms endpoints.
  - name: Individual Custom Offers
    description: Creditor individual custom offer list endpoints.
  - name: Negotiations
    description: >-
      Creditor negotiation work queues, including notice responses and offer
      review counts.
  - name: Communications / CFPB Validation Letter
    description: >-
      CFPB Validation Letter tables, secure EcoLetter send/resend, CSV export,
      and print/download actions.
  - name: Communications / EcoLetter Template
    description: >-
      Creditor EcoLetter template management for secure eLetter communications
      and campaigns.
  - name: Communications / Groups
    description: >-
      Creditor communication group management for dynamic consumer targeting and
      campaign selection.
  - name: Communications / Schedule Campaign
    description: >-
      Creditor EcoLetter campaign scheduling, quote, immediate send, and
      delivery queue endpoints.
  - name: Communications / Campaign Tracker
    description: >-
      Creditor campaign tracker reporting, refresh, and consumer export
      endpoints.
  - name: Consumer Profiles
    description: Creditor Consumer Profiles list, filter options, and CSV export endpoints.
  - name: Terms & Conditions
    description: Creditor-managed master and sub-account Terms & Conditions templates.
  - name: About Us & Contact
    description: Creditor-managed company About Us content shown to consumers.
  - name: Logo & Links
    description: >-
      Creditor-managed master and sub-account personalized logo colors, size,
      and consumer link metadata.
  - name: Users
    description: >-
      Master creditor user management, invitations, and account deletion
      endpoints.
paths:
  /manage-consumers/{consumer}/agreement:
    get:
      tags:
        - Consumer Profiles
      summary: Download Consumer Profile agreement
      description: >-
        Download the settled consumer agreement PDF from the Consumer Profiles
        detail page. The account must belong to the authenticated creditor
        company and assigned subclient, when applicable. Only settled accounts
        can download an agreement.
      operationId: creditorDownloadManageConsumerAgreement
      parameters:
        - name: consumer
          in: path
          required: true
          description: Consumer account ID.
          schema:
            type: integer
      responses:
        '200':
          description: Agreement PDF download.
          content:
            application/pdf:
              schema:
                type: string
                format: binary
        '401':
          $ref: '#/components/responses/Unauthenticated'
        '403':
          $ref: '#/components/responses/ActiveMembershipRequired'
        '404':
          $ref: '#/components/responses/NotFound'
        '409':
          description: Account is not settled, so the agreement is not available.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/MessageResponse'
      security:
        - bearerAuth: []
components:
  responses:
    Unauthenticated:
      description: Missing or invalid bearer token.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/MessageResponse'
    ActiveMembershipRequired:
      description: Authenticated creditor does not have an active membership.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/MessageResponse'
          example:
            message: An active membership is required.
    NotFound:
      description: Resource not found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/MessageResponse'
  schemas:
    MessageResponse:
      type: object
      required:
        - message
      properties:
        message:
          type: string
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: Sanctum token

````