The Consumer Portal is used by consumers to review creditor accounts, respond to collection notices, negotiate balances, set up payments, manage billing details, sync payment dates to a calendar, and control communication preferences. This section follows the Consumer Portal navigation and the account tabs shown inside My Accounts.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.
Portal Focus
| Area | What To Protect |
|---|---|
| Account clarity | Consumers should always understand which creditor account they are viewing, what status it is in, and what action is available next. |
| Notice response | Notice response flows should guide consumers from sender details to a clear response without exposing other consumer records. |
| Payment confidence | Offers, scheduled settlements, wallet payment methods, payment history, and calendar events must stay aligned. |
| Communication control | Email, SMS, EcoMailbox, follow-up campaigns, and unsubscribe behavior must respect consumer preferences and legal safety. |
| Developer guardrails | Preserve consumer scoping, contact verification, status transitions, background jobs, payment gateway handling, and calendar sync rules. |
Sidebar Map
Flow Legend
Use this legend when reading visual flows inside each Consumer feature page.| Label | Meaning | Watch for |
|---|---|---|
| Actor | A consumer, creditor, gift payer, or scheduled system event starts the action. | Who begins the consumer workflow? |
| System | The application performs normal processing. | What does the portal do automatically? |
| Decision | The portal checks a rule, status, permission, payment condition, or contact verification state. | What determines the next path? |
| Risk | Something is blocked, failed, missing, expired, opted out, or unsafe. | What must the feature prevent or resolve? |
| Outcome | A successful result, updated account state, sent communication, paid transaction, or synced calendar event. | What should be true after the flow completes? |