> ## 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.

# Skip Payment

> Jane cannot make this month's installment, so an eligible payment is skipped and moved after the last scheduled payment.

## Real-World Example

Jane cannot make this month's installment, so an eligible payment is skipped and moved after the last scheduled payment. The portal should make the schedule change clear and send the correct communication when consecutive skips become important.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Consumer or system skips payment"] --> B["Portal checks skip rules"]
    B --> C{"Skip allowed?"}
    C -->|Yes| D["Failed or future installment moves after last payment"]
    C -->|No| E["Skip is blocked"]
    D --> F["Schedule and communications update"]
    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,F system;
    class C decision;
    class E risk;
    class F outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should skip only eligible schedule transactions.
* It should move the skipped installment to the correct future position.
* It should track consecutive skips and trigger the correct communication when needed.

## How It Should Not Work

* It should not skip successful past payments.
* It should not make the remaining plan balance inaccurate.
* It should not silently skip payments without a visible schedule or communication result.

## Developer Notes

* Skip behavior can be manual or automatic after failed-payment rules run.
* Calendar updates should follow the changed scheduled transaction.

## Related App Areas

* `app/Jobs/SkipScheduleTransactionJob.php`
* `app/Livewire/Consumer/SchedulePlan.php`
* `app/Livewire/Creditor/ManageConsumers/ConsumerProfile/SkipPayments.php`
* `app/Console/Commands/NextPaymentDueSoonSkipFailedScheduledCommand.php`