Sudden enforcement can be devastating. The law gives debtors a chance to pay over time, but conditions are tight.
By creditor consent
If the creditor agrees, instalments are unconditional. The agreement is recorded in the file and the debtor avoids late interest on instalments.
By court order
If the creditor refuses, the debtor can apply for instalments to the enforcement court. Condition: sufficient guarantee (bank guarantee, mortgage).
Maximum term
Usually up to 24 months, occasionally 36 in exceptional cases. Equal monthly payments.
Effect of plan
New attachments are halted. Earlier ones release after 50% payment. Two consecutive missed payments cancel the plan and restore full enforcement.
When it works
Temporary financial difficulty (illness, job loss); honest commitment; stable income source. Total insolvency cannot be cured by an instalment plan.