> ## 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. # Skip Consumer Profile scheduled payment > Skip the first eligible scheduled or failed payment from the Consumer Profiles detail Payment Plans tab. The account must belong to the authenticated creditor company and assigned sub-account when applicable. The selected payment must belong to the consumer, must not be today's payment, must be the first active scheduled row, and cannot be the last active scheduled row. The skipped payment is moved behind the last active scheduled row using the active payment-plan frequency. ## OpenAPI ````yaml /api/creditor.openapi.yaml post /manage-consumers/{consumer}/scheduled-transactions/{scheduleTransaction}/skip 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}/scheduled-transactions/{scheduleTransaction}/skip: post: tags: - Consumer Profiles summary: Skip Consumer Profile scheduled payment description: >- Skip the first eligible scheduled or failed payment from the Consumer Profiles detail Payment Plans tab. The account must belong to the authenticated creditor company and assigned sub-account when applicable. The selected payment must belong to the consumer, must not be today's payment, must be the first active scheduled row, and cannot be the last active scheduled row. The skipped payment is moved behind the last active scheduled row using the active payment-plan frequency. operationId: creditorSkipManageConsumerScheduledTransaction parameters: - name: consumer in: path required: true description: Consumer account ID. schema: type: integer - name: scheduleTransaction in: path required: true description: Scheduled transaction ID that belongs to the consumer account. schema: type: integer responses: '200': description: Payment skipped and the updated scheduled transaction row returned. content: application/json: schema: $ref: >- #/components/schemas/SkipManageConsumerScheduledTransactionResponse '401': $ref: '#/components/responses/Unauthenticated' '403': $ref: '#/components/responses/ActiveMembershipRequired' '404': $ref: '#/components/responses/NotFound' '409': description: >- Account status, scheduled transaction status, date, or row position does not allow skipping this payment. content: application/json: schema: $ref: '#/components/schemas/MessageResponse' security: - bearerAuth: [] components: schemas: SkipManageConsumerScheduledTransactionResponse: type: object required: - message - data properties: message: type: string example: Payment skipped. data: $ref: '#/components/schemas/ManageConsumerScheduledTransaction' MessageResponse: type: object required: - message properties: message: type: string ManageConsumerScheduledTransaction: type: object additionalProperties: false required: - id - schedule_date - amount - payment_profile_label - frequency_label - previous_schedule_date - original_date_label - status - remaining_balance - actions - action_items properties: id: type: integer schedule_date: type: string format: date schedule_time: type: string nullable: true example: '12:00:00' amount: type: string example: '100.00' payment_profile_label: type: string example: CARD (xx-4242) frequency_label: type: string example: Monthly previous_schedule_date: type: string format: date nullable: true original_date_label: type: string example: Apr 10, 2026 status: type: object additionalProperties: false required: - value - label properties: value: type: string enum: - scheduled - failed label: type: string description: >- Uses `Consumer Hold` while the consumer account is on hold; otherwise the scheduled transaction status label. example: Scheduled remaining_balance: type: string description: >- Projected remaining balance after this scheduled row in schedule-date order. example: '110.00' actions: type: object additionalProperties: false required: - can_change_date - can_skip properties: can_change_date: type: boolean can_skip: type: boolean action_items: type: array items: type: object additionalProperties: false required: - key - label - available properties: key: type: string enum: - change_date - skip label: type: string available: type: boolean 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' securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: Sanctum token ````