> ## 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.

# Creditor Portal

> Product behavior map for digital creditor operations, consumer servicing, payments, communications, reporting, and account guardrails.

A creditor creates a company profile that acts as its digital ECO address for consumer communications, notices, responses, negotiations, and payment activity.

The Creditor Portal is used by creditors, collection agencies, law firms, and service providers participating on the platform through a membership plan. The portal centralizes digital operations, compliance management, and self-service resolution in a scalable, low-touch environment.

<Tip>
  Read these pages as product behavior contracts. They define what the portal should do, what it should never do, and what must be preserved when modifying features.
</Tip>

## Portal Focus

| Area                     | What To Protect                                                                                                                                                           |
| ------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Business operations      | Dashboards, imports, reporting, billing, and account settings must support efficient high-volume account management.                                                      |
| Consumer experience      | Consumers must be able to receive digital offers, negotiate resolutions, respond to written notices, make payments, and manage communications through self-service tools. |
| Digital-first operations | Communications, notices, negotiations, and payments must remain fully digital to enable scale, consistency, and minimal manual effort.                                    |
| Developer guardrails     | Preserve creditor scoping, sub-account permissions, payment security, statuses, history, conditionals, and audit integrity.                                               |

## Important Notes

* Designed to minimize manual servicing through automation and self-service.
* The Set Up Wizard appears only when onboarding or compliance steps are incomplete.
* User management is limited to parent creditor accounts.
* All negotiations, notices, payments, and communications must maintain full audit history.
* Data must remain isolated by creditor scope and permissions.