What must a debtor provide to qualify for an installment payment plan?

A debtor must provide proof of financial inability to pay in full to qualify for an installment payment plan. This documentation is essential as it demonstrates to the creditor that the debtor is experiencing financial hardship and cannot make the payment in a single lump sum. By showing this proof, the debtor is effectively justifying the need for an installment plan, which allows them to repay the debt in more manageable amounts over time. This process ensures that the creditor is aware of the debtor's current financial situation and can make a decision that aligns with both parties' interests, fostering a more manageable repayment solution.

The other options do not directly address the criteria needed to qualify for such a plan. For example, a lump sum payment would be the opposite of what is required for an installment plan, as it suggests paying the entire debt at once. A credit report is not typically necessary for establishing an installment agreement, and while previous payment history may provide context about a debtor's reliability, it does not demonstrate their current financial capability to handle payments. Thus, providing proof of financial inability is the key requirement for requesting assistance through an installment payment plan.