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A payment plan agreement is established between a debtor and a creditor to ensure the debt is repaid according to specified terms. This summary outlines the reasons for adopting payment plans, common items and services involved, and resources for free agreements. Payment plans are frequently utilized for high-cost purchases, allowing businesses to offer customers the chance to pay in installments. This arrangement benefits buyers by alleviating the immediate financial burden, while sellers can earn additional income through interest charges. For buyers needing items promptly, payment plans often present the best solution.