> ## 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.

# Consumer Portal

> Product behavior map for consumer accounts, notice responses, negotiations, payments, profile settings, and communication controls.

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.

<Tip>
  Treat these pages as plain-language behavior contracts. They explain what the consumer should experience, what the portal must prevent, and which app areas developers should check before changing a flow.
</Tip>

## 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. |

## Important Notes

My Accounts is status-driven. A consumer can see different account tabs depending on negotiation status, notice response activity, scheduled payments, creditor removal, cancellation, and payment completion.

Notice Response is a primary consumer flow. Keep it easy to complete even when the consumer only knows the sender name and has a notice image.

Campaigns, follow-up communications, installment payments, failed-payment handling, and calendar sync all run through scheduled commands and queued jobs. Consumer pages should describe the visible result, while background-processing pages document the invisible work behind it.