Purpose
Ensures every eligible account receives the correct Settlement Offer and Payment Plan Offer before delivery into the Consumer EcoPortal.
Offer Hierarchy
Level 1 – Individual Offers
Highest priority offer level.
Individual Offers may be created:
- During account upload
- From Consumer Profiles
- By creditor representatives
Key Rule
Individual Offers override all other offer levels.
Level 2 – Group Term Offers
Group offers are created after account onboarding.
Group criteria may include:
- Placement date range
- Account expiration date range
- Other account segmentation rules
Key Rule
Group Term Offers override Sub-Account and Master offers when eligible.
Level 3 – Sub-Account Pay Term Offers
Applied when an account contains a valid Sub-Account ID.
Key Rule
Sub-Account Offers override Master Offers.
Level 4 – Master Pay Term Offers
Default offer level.
Applied when no higher-level offer exists.
Key Rule
Every account must have a Master Offer available as a fallback.
Offer Delivery Workflow
Offer Refresh Rules
Group and Individual Offers may replace existing offers only when:
- Account status is Delivered
- Account status is Viewed
- No negotiation activity exists
- No payment activity exists
- No dispute activity exists
Key Rule
Active negotiations must never be modified by offer refresh processing.
Offer Snapshot Rule
Once a consumer begins negotiating:
- Delivered offers are snapshotted
- Negotiations validate against the delivered offer snapshot
- Later offer changes must not alter active negotiations
Last modified on May 31, 2026
