You can make payments once a month to pay back
the entire debt amount of a whole month for all the creditors.
But, you would still have to repay
the entire debt amount.
Finally, while credit counseling can help you pay off your debts at a lower rate, you will still be paying
the entire debt amount plus interests, plus fees if you choose to work with a DMP.
Collections will result in you having to pay
the entire debt amount at once.