> ## 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.

# Custom Offer

> Jane cannot accept the listed installment amount, so she proposes a smaller monthly payment. If the offer satisfies creditor rules, the portal can move her forward.

## Real-World Example

Jane cannot accept the listed installment amount, so she proposes a smaller monthly payment. If the offer satisfies creditor rules, the portal can move her forward. If it needs creditor approval, it should move the account to Pending Creditor Response.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Consumer submits custom offer"] --> B["Portal validates custom terms"]
    B --> C{"Terms satisfy rules?"}
    C -->|Yes| D["Offer can be accepted"]
    C -->|Needs review| E["Offer waits for creditor response"]
    D --> F["Consumer continues toward payment setup"]
    E --> G["Account appears 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,D,E,F,G system;
    class C decision;
    class F,G outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should let the consumer propose a custom amount and terms when allowed.
* It should validate terms against creditor rules before accepting or routing for review.
* It should clearly explain whether the offer is accepted or waiting for creditor response.

## How It Should Not Work

* It should not accept invalid amounts, dates, or terms.
* It should not silently leave the consumer unsure whether the offer was submitted.
* It should not let custom offers bypass creditor constraints.

## Developer Notes

* Normal custom offers update account negotiation status.
* Notice response custom offers use a separate NoticeResponse component.

## Related App Areas

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