Debt

You cant force them to accept lower payments. If your payments are not your normal monthly payments, you will be marked as late and eventually will be charged off and it will be sent to collections.

Creditors/collection agencies don't accept lower payments unless you are delinquent on them due to financial hardships. If you are really going through financial problems and it is not possible for you to make the full payments, then inform WNFFB about it. They may agree to lower off the outstanding balance for a lumpsum payment. You can even go for debt consolidation and consolidate your debt into a low single monthly payment.

It is true that you cannot force a creditor to accept a smaller payment for your debt. However, if you're in some kind of financial hardship, then you can always request the creditor to give you an alternative payment plan so that it becomes affordable for you to pay off the dues. However, it will be the discretion of your creditor whether or not he will accept your request for an alternative payment plan.

Paying some is better than paying nothing , remove as much and as possible debt you can . Dont cut it if yo pay it low , pay higher in next month . But do pay some .