The Department of Finance offers a moderate-income payment plan for motorists with adjusted gross income below $86,400. -A moderate-income payment plan requires a minimum down payment of 15% of the judgment debt amount owed. -The plan may last as long as 36 months. -It requires a motorist to apply supporting documentation that must be reviewed and approved by D.O.F.'s Collections Division. For more information, please get in touch with the Collections Division at (212) 440-5300 or via our Customer Service Portal.