> ## 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.

# Consumer Profiles

> Jane calls ABC Collections and asks why her balance changed.

## Real-World Example

Jane calls ABC Collections and asks why her balance changed. The creditor opens Jane's Consumer Profile and reviews her account details, offer status, payment history, and upcoming payments.

The profile should give enough information for the creditor to explain what happened without opening unrelated consumer accounts.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Consumer contacts creditor"] --> B["Creditor searches Consumer Profiles"]
    B --> C["Creditor opens the consumer profile"]
    C --> D["Creditor reviews balance and activity"]
    D --> E["Creditor responds using account history"]
    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,C,D,E system;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should show consumers that belong to the creditor and allowed sub-accounts.
* It should let the creditor review consumer details, balances, offers, payments, and account status.
* It should keep consumer activity connected to the correct creditor account.

## How It Should Not Work

* It should not show consumers from another creditor.
* It should not allow unauthorized changes to consumer balances, statuses, or payment records.
* It should not lose history that explains what happened on a consumer account.

## Developer Notes

* Consumer profile changes can affect negotiations, payments, communication, reporting, and dashboard counts.
* Keep account history explainable so support can answer balance and payment questions.

## Related App Areas

* `app/Livewire/Creditor/ManageConsumers`
* `routes/creditor/index.php`