> ## 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.

# Declined / Closed Negotiations

> Jane submits a custom offer that the creditor declines and no active offer remains.

## Real-World Example

Jane submits a custom offer that the creditor declines and no active offer remains. The account should move to Declined / Closed Negotiations so Jane does not think a payment plan is still open.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Creditor declines or closes negotiation"] --> B["Portal updates negotiation status"]
    B --> C["Account appears as declined or closed"]
    C --> D{"Restart allowed?"}
    D -->|Yes| E["Consumer may start over"]
    D -->|No| F["Portal keeps account closed"]
    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 actor;
    class B,C system;
    class D decision;
    class E outcome;
    class F risk;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should clearly communicate when negotiation is no longer active.
* It should show only restart options that are allowed by the account state and creditor rules.
* It should keep closed negotiation history available for context.

## How It Should Not Work

* It should not leave declined offers in an active pending tab.
* It should not allow payment setup for an offer that has been declined or closed.
* It should not remove history needed to understand why the negotiation closed.

## Developer Notes

* This tab maps to payment\_declined and related closed negotiation conditions.
* Start-over behavior is handled separately from normal active negotiation actions.

## Related App Areas

* `app/Enums/ConsumerStatus.php`
* `app/Livewire/Consumer/Traits/MyAccounts/StartOver.php`
* `app/Livewire/Consumer/MyAccount.php`