Every debt case is different and it depends on what documents you have with the debtor. If there’s a signed contract or if you just have an oral contract or you just delivered goods, its gonna vary. So what you want to do is you would like to get something in writing. If the debtor offers a payment plan it would be advisable to perhaps get the debtor to sign a promissory note which will then condense the agreement to a writing that you would then be able to file suit on.
http://howeassociates.wistia.com/medias/d5mhsxkqbd?embedType=seo&videoFoam=true&videoWidth=650