> ## 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.

# Disputed / Not Paying

> Jane reviews a notice and says the account is not hers.

## Real-World Example

Jane reviews a notice and says the account is not hers. The portal should place the account under Disputed / Not Paying so the creditor can see the response and the consumer is not pushed into payment setup.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Consumer reports dispute or not paying"] --> B["Portal records consumer position"]
    B --> C["Account moves to Disputed / Not Paying"]
    C --> D["Creditor can review the response"]
    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 outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should let consumers report dispute or not-paying status when the flow allows it.
* It should stop normal payment prompts for the disputed account.
* It should preserve the consumer response for creditor review.

## How It Should Not Work

* It should not continue to present the account as a standard payment opportunity.
* It should not lose the consumer explanation or notice response context.
* It should not apply the dispute to unrelated accounts.

## Developer Notes

* This tab maps to disputed\_or\_not\_paying.
* Notice response and My Account report-not-paying behavior both feed this status area.

## Related App Areas

* `app/Enums/ConsumerStatus.php`
* `app/Livewire/Consumer/MyAccount/ReportNotPaying.php`
* `app/Livewire/Consumer/NoticeResponse/CreateMyResponse.php`