Yes, you can negotiate a payment plan with your creditor to avoid debt enforcement. Under UK law, creditors are required to consider reasonable repayment proposals from debtors. You can contact your creditor and propose a payment plan that suits your financial situation. If the creditor agrees to the plan, they cannot take any further enforcement action as long as you stick to the agreed payments. It is important to seek advice from a debt advisor or a solicitor before negotiating with your creditor.