i've offered payments plans before to clients. no one seems to take advantage of it. even when they get behind. i have one client that when the season starts she pays her monthly invoices. every year around thanksgiving/christmas she starts to fall behind and ends up owing me $60 and carries that balance into the new year. she always gets it paid before the season, mostly because i won't service her lawn with a balance over her head.
so she'll be catching up here soon then the cycle starts all over again. i've offered multipul times to put her on a 12 month plan. she won't do it.
everyone wants to be invoiced at the end of the month for work actually completed and pay there invoice and be done.