I was laid off and recently made payment arrangements with all my creditors.  There is one creditor that is tell me that are unable to make any arrangements and that I will have to come up with 30-50%.  It is a personal loan from a bank.  I was paying on time until I lost my job. 

Is this true or are they trying to get more money from me?  My second question is what's happens if I don't have 30% to pay them?

M