A hardship payment plan is available to unemployed individuals who have suffered the loss of an income-earning family member or have lost their home due to a natural disaster. Hardship plans are also available to small businesses that have suffered economic losses and not-for-profit organizations with a 501(c)(3) designation from the Internal Revenue Service. -A hardship payment plan requires a minimum down payment of 5% of the judgment amount debt owed. -The plan may last as long as 48 months. -It requires a motorist to submit an application and supporting documentation that must be reviewed and approved bD.O.F.'sFs Collections Division. For more information, please get in touch with the Collections Division at (212) 440-5300 or via our Customer Service Portal.