Darn, I was hoping to use the CCLINEZPMTPROGRAM
The only way to go into a payment plan is to accept the very real possibility that you will get shafted. If it still makes sense, then by all means proceed. In my experience, if someone lacks the funds or credit to be able to buy a car, then there's a reasonably good chance they will struggle to make the payments.
I can say despite half a dozen attempts, I've never had anyone successfully complete a payment program with me. As near as I can figure, the debtor must feel like the one holding the note already has plenty of money, so it's ok to spend the money on beer, strippers, and cigarettes instead of paying as agreed. Somehow there's always a sob story as to why they couldn't pay.
I once repo'd a parrot, no BS. It was a $1000 bird I agreed to sell to a friend for a few hundred so her grandmother could have some company. After a long period of no payment and avoiding me..... you guessed it "No tako Nicodemus..... No tako Nicodemus"
Damn straight I took Nicodemus. Got $750 within the week, paid my tuition, and Nicodemus didn't have to watch spanish soap operas anymore.