How do you successfully negotiate payment plans with clients who have overdue invoices?

Dealing with a client who’s gone quiet for two months on a big invoice has been frustrating. Now they’re suggesting a payment plan.

I’ve never had to handle something like this before. How do you approach it when clients want to split their payments?

Two months is too long already. I’d want half upfront before agreeing to any plan.

I just tell them to pay what they can.