JJ back in the late 80's I paid off my locals Caddy. Plus his insurance and gas on a payment plan, he told me,lol. All they want is there money, on time or weekly payments, no one gets hurt unless you are able to pay, say owning a business or make good money , and don't pay. If you make say 1000$ a week and your book lets you run up a 15 dime tab, he'll say what the fuc k am I doing letting this guy run a tab like this when he only makes X amount of dollars. Another scenario is if you lose most of the time a payment plan is no problem. Hit him for a few weeks then come up short and you might have problems!!