@tastytea@very.tastytea.de If I remember correctly, Klarna is a predatory business and they literally get their money from fees tacked onto late payments and defaults, so they have every reason not to cooperate, unfortunately - the only strategy I know of that has sometimes worked for people is to offer them a clearly reasonable payment schedule and have it in writing, so that when they reject or ignore it you can fight any attempts at debt/fee collection later by showing that it was Klarna who did not take their responsibilities - "look, I did all I could, but they did not let me pay"