Can I postpone some months' payment if I enroll in a consolidation or a settlement program?

If you delay making the payments, the settlement process will slow down. Because debt relief companies require you to save a certain amount in their escrow account after which they start the negotiation with your creditors. The more you delay, the longer it’ll be to get your financial freedom.

If your paycheck is too strained, then seek a side gig to supplement your income and provide for your emergencies.

When you are opting for a professional debt relief program, arrange your finances in a way to make the payments every month. You can discuss with the debt relief company to decide on a payment which you can easily afford to pay every month.