Payment Plan Agreement Audit: Interest, Fees and Default Triggers
Check the terms of a payment arrangement before you agree.
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Review a payment plan offer. The offer or agreement: [AGREEMENT_TEXT]. The debt amount before the plan: [ORIGINAL_BALANCE]. The monthly amounts and number of payments: [PAYMENT_SCHEDULE]. My income and priorities, shared at a level I choose: [AFFORDABILITY]. Calculate the total paid under the plan and the difference from the original balance, the effective cost if interest or fees apply, and the number of months. Show the arithmetic. Identify what triggers a default, grace periods, how payments are applied, whether collection or credit reporting is paused, what is promised when the plan completes, and whether the plan is confirmed in writing. Make a table of terms with a plain reading and a question. Draft a reply that asks for the changes I want and for a statement of the account at the end. Do not recommend a particular plan beyond arithmetic. Suggest free debt advice for significant debts. Do not give me legal advice. Quote no statute from memory. Use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] as given. Point me to a consumer agency. Keep every draft calm and fair.
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