> ## 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.

# New Offers

> ABC Collections uploads Jane's account with settlement terms already available.

## Real-World Example

ABC Collections uploads Jane's account with settlement terms already available. Jane opens My Accounts and sees the account under New Offers so she can review available settlement or installment choices before negotiating.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Creditor account becomes ready to negotiate"] --> B["Portal places account in New Offers"]
    B --> C["Consumer reviews creditor terms"]
    C --> D{"Consumer accepts an available option?"}
    D -->|Yes| E["Consumer moves to payment setup"]
    D -->|No| F["Consumer can create a custom offer"]
    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,F outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should show accounts where the consumer can start negotiation or accept available terms.
* It should clearly present balance, creditor, settlement, and installment context.
* It should let the consumer move toward payment setup or custom-offer creation.

## How It Should Not Work

* It should not show paid, cancelled, deactivated, disputed, or already scheduled accounts as new offers.
* It should not allow a consumer to accept terms that no longer match creditor rules.
* It should not hide custom offer options when they are allowed.

## Developer Notes

* This tab maps to the ready\_to\_negotiate consumer status.
* Offer actions share behavior with the Negotiate and Custom Offer payment pages.

## Related App Areas

* `app/Enums/ConsumerStatus.php`
* `app/Livewire/Consumer/MyAccount.php`
* `app/Livewire/Consumer/MyAccount/ViewOffer.php`
* `app/Livewire/Consumer/Negotiate.php`