CONSIDERING that the debtor and the debtor wish to conclude an agreement to challenge this debt and an associated payment plan The debtor and the creditor must agree on a payment agreement that benefits both parties. There are two (2) types of payment plans: the parties approve the payment plan as described in Appendix A of the Annex (the “Payment Plan”). The responsible party undertakes to make payments to the party due that are linked to the data contained in the payment plan. In the event that the debtor does not make the payment after reaching fifteen (15) days after the planned payment plan, the total amount of the default is due and initial. Any other omission justifies the creditor`s right to claim damages. A payment agreement describes a plan for the repayment of an outstanding balance made over a period of time.