New York Uniform Rule 202.5-b (Consensual Program) (Revised Effective Dec.15, 2017) is a rule that allows certain debtors to set up an agreement with their creditors to pay off their debts. This rule was created so that creditors and debtors can both benefit from the arrangement. It allows debtors to pay off their debts in a timely manner, and creditors to receive the money that they are owed. The types of agreements that are allowed under this rule are: debt consolidation, debt settlement, debt negotiation, and debt repayment plans. This rule also provides for creditors to receive certain protections and rights when entering into an agreement with a debtor. These rights and protections include the right to receive timely payments, the right to receive clear and concise information about the agreement, and the right to be treated fairly and in accordance with the terms of the agreement.