Real-World Example
Jane cannot pay the requested balance but wants to make a lower offer as part of her notice response. The portal should record the custom offer against that notice response and route it for creditor review when it does not auto-match allowed terms.
Visual Flow
How It Should Work
- It should connect the custom offer to the correct notice response.
- It should validate amount, payment type, and terms before saving.
- It should distinguish auto-acceptable offers from offers that need creditor response.
How It Should Not Work
- It should not submit a custom offer against the wrong creditor or notice response.
- It should not auto-accept terms that do not satisfy configured rules.
- It should not hide that the offer is waiting for creditor review when approval is needed.
Last modified on July 30, 2026
