Sounds like a good question for a lawyer but that being said most (established) companies will work with you if you talk with a rep and explain your hardship/in

Sounds like a good question for a lawyer but that being said most (established) companies will work with you if you talk with a rep and explain your hardship/inability to pay in full. The business rationale for this being that going after a non-paying non-compliant customer will likely be more expensive with lawyer/collection costs than forgiving a portion of the amount owed.