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Real-World Example

ABC Collections removes Jane’s account from active portal handling. Jane should no longer be asked to negotiate it, but the portal can still show it as Creditor Removed when the record must remain visible.

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Visual Flow

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How It Should Work

  • It should show deactivated creditor records only when the consumer is allowed to see historical context.
  • It should remove active negotiation, payment setup, and plan actions.
  • It should keep creditor scoping intact even when the account is inactive.
  • It should let a consumer hide a creditor-removed account from My Accounts only when the identity keys match.
  • It should keep payment history available for removed accounts that have transactions.

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How It Should Not Work

  • It should not allow new payments or offers after the creditor has removed the account from active handling.
  • It should not disappear in a way that confuses consumers if historical visibility is expected.
  • It should not mix creditor removal with consumer cancellation.
  • It should not hard-delete creditor-removed records when the consumer chooses Delete Account; the app should mark them hidden from that consumer’s dashboard.
  • It should not let a consumer hide a non-deactivated account or another consumer’s removed account.

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Developer Notes

  • This tab maps to deactivated.
  • Deactivation can affect communication jobs, scheduled follow-ups, and account visibility.
  • Consumer-side Delete Account uses hidden_by_consumer_at; it is a dashboard visibility action, not a creditor data deletion.
  • app/Enums/ConsumerStatus.php
  • app/Livewire/Consumer/MyAccount.php
  • app/Livewire/Consumer/Traits/MyAccounts/StartOver.php
  • app/Console/Commands/DeactivateOrRestartExpiredConsumerNegotiations.php
Last modified on May 26, 2026