> ## 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.

# Notice Response Custom Offer

> Jane cannot pay the requested balance but wants to make a lower offer as part of her notice response.

## 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

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Consumer enters custom notice offer"] --> B["Portal validates offer amount and terms"]
    B --> C{"Offer fits allowed rules?"}
    C -->|Yes| D["Offer can continue toward acceptance"]
    C -->|No| E["Offer waits for creditor review"]
    D --> F["Notice response and account status update"]
    E --> F
    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,D,E,F system;
    class C decision;
    class F outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## 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.

## Developer Notes

* Notice response custom offers are related to but separate from normal account custom offers.
* Validation should remain aligned with consumer offer and counter-offer behavior.

## Related App Areas

* `app/Livewire/Consumer/NoticeResponse/CustomOffer.php`
* `app/Livewire/Consumer/Forms/NoticeResponse/CustomOfferForm.php`
* `app/Livewire/Consumer/Traits/ValidateCounterOffer.php`