No. A consumer does not need to behind on payments in order to put game plan together. The majority of people realize that they are experiencing a legitimate financial hardship before their situation has deteriorated to the point where they have become delinquent on their accounts or foresee delinquency. Our program works with debtors in all stages of payments and collection, although we find that once you are behind, creditors tend to be more willing to negotiate better settlements in some situations.