When someone falls behind in their assessment payments and then wants to develop a repayment plan, what policies are recommended for such a plan? I'm thinking of how long should the person take to repay, 3 months, 6 months, 12 months? Also, do you consider the reason why the person fell behind and why they think they can now pay extra (previously unemployed, has found a job; had heavy medical expenses, is now in good health, etc.). Also, should the person's income be considered? Anything else to be considered in agreeing to a repayment plan?