Payment Arrangements

Hi I need an payment arranegment due to covid, have been able to keep up somewhat until this point but recently just got to be too much. The internet costs alone are becoming too much espeically with a slow network. I have tried everything however the wifi still seems to be extremely slow especially for me being the only person using it. How can I make a payment arrangement to bring my balance to current? I also was charged many late fees during the "no late fee" period.