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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.

Real-World Example

Jane receives an email from ABC Collections with a link to review her account. She opens the Consumer Portal, enters the contact information connected to her consumer profile, and reaches My Accounts only after the portal recognizes and verifies her.

Visual Flow

How It Should Work

  • It should identify the consumer by approved contact information and the matching consumer record.
  • It should send the consumer through verification before showing account details when verification is required.
  • It should redirect an authenticated consumer to My Accounts.
  • It should keep the login flow simple for consumers arriving from creditor communications.

How It Should Not Work

  • It should not expose account balances, creditor names, notices, or payments before the consumer is verified.
  • It should not log a consumer into another consumer profile with similar contact details.
  • It should not bypass signed-link or verification rules for convenience.

Developer Notes

  • Login is the public entry point for consumers and often starts from creditor email, SMS, QR, or external payment links.
  • Keep guard behavior separate from creditor and superadmin authentication.
  • routes/consumer/index.php
  • app/Livewire/Consumer/Login.php
  • app/Livewire/Consumer/Forms/LoginForm.php
  • app/Livewire/Consumer/Traits/SendOtp.php
Last modified on May 25, 2026