It depends on the specific circumstances of each case. If the debtor acknowledges the debt and demonstrates a real willingness to pay by offering a reasonable payment schedule and providing sufficient guarantees, an out-of-court agreement saves time and legal costs. However, the agreement must be properly formalized in an enforceable document (public deed or notarial deed of acknowledgment of debt) that allows to go directly to forced execution if the debtor fails to comply with the payment plan without the need for a new declaratory judgment. It is not advisable to accept payment agreements in a simple private document or mere verbal promises that are later unfulfilled, because this only delays the final judicial claim, allowing the debtor to dispose of his assets in the meantime.