> ## 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.

# Creditor Counter Offers

> Jane sends a custom offer for less than the original settlement terms. ABC Collections responds with a counter offer.

## Real-World Example

Jane sends a custom offer for less than the original settlement terms. ABC Collections responds with a counter offer. Jane should see the account under Creditor Counter Offers and be able to accept, decline, or continue negotiation based on allowed options.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Creditor sends a counter offer"] --> B["Portal updates consumer account status"]
    B --> C["Consumer sees counter offer details"]
    C --> D{"Consumer accepts counter offer?"}
    D -->|Yes| E["Consumer continues to payment setup"]
    D -->|No| F["Negotiation remains unresolved or closes by rule"]
    classDef default fill:#F8FAFC,stroke:#64748B,stroke-width:1.5px,color:#0F172A;
    classDef actor fill:#E0F2FE,stroke:#0284C7,stroke-width:2px,color:#0C4A6E;
    classDef system fill:#F8FAFC,stroke:#64748B,stroke-width:1.5px,color:#0F172A;
    classDef decision fill:#FEF3C7,stroke:#D97706,stroke-width:2px,color:#78350F;
    classDef risk fill:#FEE2E2,stroke:#DC2626,stroke-width:2px,color:#7F1D1D;
    classDef outcome fill:#DCFCE7,stroke:#16A34A,stroke-width:2px,color:#14532D;
    class A,C actor;
    class B system;
    class D decision;
    class E outcome;
    class F risk;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should show the latest creditor counter offer and make the next consumer action clear.
* It should keep the offer amount, terms, dates, and creditor identity accurate.
* It should move the account forward only when the consumer takes an allowed action.

## How It Should Not Work

* It should not show an old counter offer after a newer offer is submitted.
* It should not allow acceptance of a counter offer that has been withdrawn or replaced.
* It should not mix notice response offers with normal account negotiation offers unless the account is connected correctly.

## Developer Notes

* This tab maps to active\_negotiation\_with\_counter\_offer.
* Counter-offer validation should stay aligned with custom-offer and creditor rules.

## Related App Areas

* `app/Enums/ConsumerStatus.php`
* `app/Livewire/Consumer/MyAccount.php`
* `app/Livewire/Consumer/Traits/ValidateCounterOffer.php`
* `app/Livewire/Consumer/CustomOffer.php`