- 1). The first step to set up a payment plan with creditors is to call them and explain your circumstances honestly. Tell them you want to pay and would like to set up a payment plan you can afford.
- 2). If they agree ask them to send an written agreement to you. It does not matter what they agree to on the phone get it in writing.
- 3). Once you have set up your payment plan with creditors make sure you make all payments on time. Just one small mistake could make the payment plan void. Make sure you can afford the payments you agree to. This will help you stay current with the terms of your creditor payment plan.
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