> ## 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.

# Pending Creditor Response

> Jane submits a custom installment proposal.

## Real-World Example

Jane submits a custom installment proposal. The creditor has not responded yet, so Jane sees the account under Pending Creditor Response instead of being asked to pay immediately.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Consumer submits custom offer"] --> B["Portal records offer as pending"]
    B --> C["Account moves to Pending Creditor Response"]
    C --> D{"Creditor responds?"}
    D -->|Counter| E["Account moves to Creditor Counter Offers"]
    D -->|Accept| F["Account moves to payment setup"]
    D -->|No response yet| G["Account remains pending"]
    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,G system;
    class D decision;
    class E,F outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should show consumers that their custom offer was received and is waiting for creditor action.
* It should avoid duplicate submissions when an active offer is already pending.
* It should update automatically when the creditor accepts, declines, or counters.

## How It Should Not Work

* It should not ask the consumer for payment before creditor approval when approval is required.
* It should not hide pending status in a way that makes the consumer submit the same offer repeatedly.
* It should not keep an account pending after the creditor has responded.

## Developer Notes

* This tab maps to active\_negotiation.
* Pending state is important for both consumer trust and creditor workflow visibility.

## Related App Areas

* `app/Enums/ConsumerStatus.php`
* `app/Livewire/Consumer/CustomOffer.php`
* `app/Livewire/Consumer/Forms/CustomOfferForm.php`
* `app/Livewire/Consumer/MyAccount.php`