If you have to miss a payment please let us know as soon as possible. If a creditor calls we will tell them that you are having difficulty making a payment. However it's very important that you make your payments on time because if you miss a payment to Shield Credit we can't pay your creditors for that month. This places your concessions at risk. It is vital that missed payments be made up as soon as possible. Your Account Manager can help you prioritize a new plan.