Yes, any creditor can enforce a right to be paid in full by seeking a judgment. With that judgment a creditor can garnish wages and bank accounts, and attach non-exempt properties. Any payment agreement is strictly a matter of courtesy on the part of the creditor, and the debtor has no power to decide what the payment will be.
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This answer is offered as a public service for general information only and may not be relied upon as legal advice.
I am not your attorney nor is any answer I may provide legal advice. You may contact me directly for legal advice only if you are a resident of Tennessee insofar as I only practice in Tennessee.