> ## 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.

# Negotiate

> Jane opens a new creditor account and sees two choices: pay a discounted settlement today or choose an installment plan.

## Real-World Example

Jane opens a new creditor account and sees two choices: pay a discounted settlement today or choose an installment plan. The portal should explain the choices and take Jane to payment setup only after she chooses valid terms.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Consumer opens negotiation"] --> B["Portal shows available creditor offers"]
    B --> C{"Consumer chooses offer type?"}
    C -->|Settlement| D["Portal prepares one-time payment"]
    C -->|Installment| E["Portal prepares payment schedule"]
    D --> F["Consumer continues to payment setup"]
    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 present settlement and installment choices that are valid for the account.
* It should keep creditor, balance, discount, and payment timing clear.
* It should move the consumer to payment setup after a valid option is selected.
* If the consumer has no personal branding, this account-specific page should use the current account's creditor or sub-account branding when available.

## How It Should Not Work

* It should not show expired, removed, or unauthorized offers.
* It should not let a consumer negotiate an account that is paid, cancelled, removed, or disputed.
* It should not calculate offer details differently from the creditor configuration.

## Developer Notes

* Negotiate is the main transition from account review to accepted payment terms.
* Changes here can affect My Accounts status, payment setup, and schedule-plan flows.

## Related App Areas

* `routes/consumer/index.php`
* `app/Livewire/Consumer/Negotiate.php`
* `app/Livewire/Consumer/Forms/ConsumerOfferForm.php`
* `app/Livewire/Consumer/Traits/MyAccounts/Offers.php`