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Hello, this is MarcInLaw and welcome to JustAnswer. I will be the lawyer working with you today and I will be happy to advise you to the extent possible on this platform. I am sorry to hear about your this. The only downside I can see could be that your credit score could be lowered. This is because you'll be paying less than the originally agreed amount, which will be shown on your credit report. Reduced payments will show you're having difficulty repaying what you owe, so lenders may see you as high-risk. On the other hand any payment plan is better than a default!
There is no payment left behind,but once I pay all there is no money to cover living cost till next wage, so just insecure what kind of help to choose without affecting my credit score
I understand and I am sorry you are going through this. If there is any arrangement - there will be a footprint in your credit file. However, it always looks better than a default. Fell free to ask me any related questions. I am happy to help.
My situation is gonna be like this for maybe 2 months do you think it's OK to do this temporary rest or there is other solution
I can't advise on this. I am a lawyer, not a financial advisor. If a third party advised you that this is the best course of action I have no reason to doubt it.