> ## 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.

# Payment Plans

> Jane accepts a six-month installment plan.

## Real-World Example

Jane accepts a six-month installment plan. My Accounts should show the account under Payment Plans with upcoming payment context, and the Schedule Plan page should let her manage allowed actions like extra payments, date changes, skips, or holds.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Consumer accepts installment terms"] --> B["Portal creates payment schedule"]
    B --> C["Account appears in Payment Plans"]
    C --> D["Consumer manages allowed plan actions"]
    D --> E["Schedule and calendar stay updated"]
    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,D actor;
    class B,C,E system;
    class E outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should show active installment plans and allowed plan-management actions.
* It should keep next payment, remaining balance, and schedule status understandable.
* It should reflect temporary holds and restarted plans without hiding the account.

## How It Should Not Work

* It should not let the consumer skip, hold, or change dates outside allowed rules.
* It should not disconnect schedule transactions from calendar events or payment history.
* It should not show cancelled or fully paid plans as active payment plans.

## Developer Notes

* Payment Plans maps to active plan statuses, including temporary hold behavior where the app maps that state into the payment-plan area.
* Installment background processing should be documented alongside this page because many changes happen after scheduled commands run.

## Related App Areas

* `app/Enums/ConsumerStatus.php`
* `app/Livewire/Consumer/SchedulePlan.php`
* `app/Livewire/Consumer/MyAccount/Hold.php`
* `app/Livewire/Consumer/MyAccount/RestartPlan.php`
* `app/Services/Consumer/SchedulePlanPaymentService.php`