Can I enter into a payment plan for the agreed payout figure?

Whilst each matter is different, as a rule of thumb you will need to either have access to funds sufficient to payout the agreed settlement figure or a loan approval for an amount adequate to retire your creditors at the reduced amounts.

The fact that we are able to talk with your creditors about the complete discharge of the debt provides us with significant negotiating power and in most cases allows us reduce your debts significantly.

While creditors may be willing to offer a payment plan they are unlikely to discount the amount owing significantly unless a lump sum can be offered to settle the account.