Latest articles from Financial Help with credit counseling,Low Interest Rate Credit Card,and Credit Card Apply (http://www.financial-helps.com) http://www.financial-helps.com 2009-01-07T23:19:41+01:00 text/html 2008-04-06T16:55:58+01:00 http://www.financial-helps.com http://www.financial-helps.com/how-to-deal-with-a522.html If you want to keep the goods you should ask the creditor to agree to a payment arrangement with you. The creditor is most likely to accept if you can afford the full monthly instalments plus something towards the arrears. If you can't make the full payments, the creditor may agree to reduce the payments, but usually by a small amount and only for a short time. In certain circumstances you may be able to go to court and ask to pay less than the full monthly instalment and extend the length of the agreement.