> ## 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. # Send open negotiation counter offer > Send a creditor counter offer from the Creditor Portal Negotiations > Open Negotiations modal. Settlement offers require `settlement_discount_amount`; payment-plan offers require `payment_plan_discount_amount` and `monthly_amount`. The account must be editable, meaning no creditor counter offer has already been sent. ## OpenAPI ````yaml /api/creditor.openapi.yaml post /consumer-offers/{consumer}/counter 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: /consumer-offers/{consumer}/counter: post: tags: - Negotiations summary: Send open negotiation counter offer description: >- Send a creditor counter offer from the Creditor Portal Negotiations > Open Negotiations modal. Settlement offers require `settlement_discount_amount`; payment-plan offers require `payment_plan_discount_amount` and `monthly_amount`. The account must be editable, meaning no creditor counter offer has already been sent. operationId: creditorCounterOpenNegotiation parameters: - name: consumer in: path required: true description: Consumer account ID from the open negotiation list row. schema: type: integer requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/OpenNegotiationCounterOfferRequest' examples: settlement: summary: Settlement counter offer value: settlement_discount_amount: 700 counter_first_pay_date: '2026-07-05' counter_note: Please review this settlement. payment_plan: summary: Payment-plan counter offer value: payment_plan_discount_amount: 780 monthly_amount: 150 counter_first_pay_date: '2026-07-10' counter_note: Please use this plan. responses: '200': description: Counter offer sent. content: application/json: schema: $ref: '#/components/schemas/OpenNegotiationMutationResponse' example: message: Your counter offer has been delivered to Jane. data: consumer_id: 123 negotiation_id: 456 sidebar: dashboard: performance: open_negotiations_count: 1 negotiations: new_offer_count: 1 notice_response_count: 0 '401': $ref: '#/components/responses/Unauthenticated' '403': $ref: '#/components/responses/ActiveMembershipRequired' '404': $ref: '#/components/responses/NotFound' '422': $ref: '#/components/responses/ValidationError' security: - bearerAuth: [] components: schemas: OpenNegotiationCounterOfferRequest: type: object additionalProperties: false required: - counter_first_pay_date properties: settlement_discount_amount: type: number format: float nullable: true description: >- Required for settlement negotiations. Must be greater than 0 and cannot exceed `validation_limits.max_settlement_amount` from the detail response. payment_plan_discount_amount: type: number format: float nullable: true description: >- Required for payment-plan negotiations. Must be greater than 0 and cannot exceed `validation_limits.max_payment_plan_amount` from the detail response. monthly_amount: type: number format: float nullable: true description: >- Required for payment-plan negotiations. Must be greater than 0 and cannot exceed `validation_limits.max_monthly_amount` from the detail response. counter_first_pay_date: type: string format: date description: >- First payment date in `YYYY-MM-DD` format. Must be today or a future date. counter_note: type: string nullable: true maxLength: 100 description: Optional note for the consumer. Consecutive spaces are not allowed. OpenNegotiationMutationResponse: type: object additionalProperties: false required: - message - data properties: message: type: string example: Offer accepted. data: type: object additionalProperties: false required: - consumer_id - negotiation_id - sidebar properties: consumer_id: type: integer negotiation_id: type: integer sidebar: $ref: '#/components/schemas/CreditorSidebarState' CreditorSidebarState: type: object required: - dashboard - negotiations properties: dashboard: type: object required: - performance properties: performance: type: object required: - open_negotiations_count properties: open_negotiations_count: type: integer minimum: 0 description: >- Count of active open negotiations shown under Dashboard > Performance. negotiations: type: object required: - new_offer_count - notice_response_count properties: new_offer_count: type: integer minimum: 0 description: >- Count of active open negotiations shown in the Negotiations > Open Negotiations sidebar badge. notice_response_count: type: integer minimum: 0 description: >- Cached count of pending notice responses scoped to the creditor company. MessageResponse: type: object required: - message properties: message: type: string ValidationErrorResponse: type: object required: - message - errors properties: message: type: string errors: type: object additionalProperties: type: array items: type: string 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' ValidationError: description: Request validation failed. content: application/json: schema: $ref: '#/components/schemas/ValidationErrorResponse' securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: Sanctum token ````