Massachusetts Agreement To Extend 180 Day Payment Without Prejudice Period is a contract that allows Massachusetts consumers to make a payment on their outstanding debt without prejudice towards their credit score or credit history. This agreement allows Massachusetts consumers to make a payment on their outstanding debt without interest or penalties accruing for a period of 180 days. This agreement is beneficial for consumers who are unable to pay off their debt in full and need more time to make a payment without being penalized. There are two types of Massachusetts Agreement To Extend 180 Day Payment Without Prejudice Period: the standard agreement and the hardship agreement. The standard agreement allows Massachusetts consumers to make a payment on their outstanding debt without prejudice for up to 180 days, while the hardship agreement allows Massachusetts consumers to make a payment without prejudice for up to 270 days.