First of all, remember that Installment Loans offer very convenient and affordable repayment terms. You can pay the money back over the period of several months of years in equal, usually monthly installments. But any way, if things happen so that you can't make one or several payments, or you are late or you even default on your loan, don't panic. Consider the options your lender offers in such cases. It may be a repayment plan, extension of a loan, rollover, another loan to consolidate debt, etc. Choose the most suitable variant. Don't worry about any severe collection practices as they are forbidden in most states. In case you feel the lender violates the laws or some collecting agencies disturb you, contact the state's Department of Financial Institutions. However, do you best not to default Installment Loans as it can lead to penalty fees, more interest and higher debt as well as can damage your credit score. Borrow responsibly!