Legal Question in Business Law in New York

A business can indeed refuse to accept payment in installments. Of course, if services are already rendered and you can really only afford $15/month, then it would not be worthwhile for them to refuse to accept your payment schedule (unless they prefer to write off your entire debt to them), and they very likely know that. That does not say they won't give you a bad time about paying off a funeral (several $thousands?) in $15/month increments.

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