Professional debt services can help negotiate payment plans with credit card companies and may also be able to reduce late payment fees and high interest rates from the overall balance. (mymoneyminute.com)
Tell them you're not able to secure that loan and you would like to set up a monthly payment plan with an amount that you're sure to be able to meet. (wisebread.com)
Debt counseling usually does not involve setting up payment plans with creditors. (debthelp.com)