Abstract: Examples provide customizable rules-based payment plan management. A customized set of rules are applied to a user account data associated with a delinquent account having a past-due amount owed by a user. The set of rules are customized by a payee of the delinquent account. A payment plan is selected from a plurality of available payment plans based on application of the rules to the user account data. One or more payment methods are selected. An offer, including the selected payment plan and payment method(s), is generated for the user that is customized for the user based on the user account data. The generated offer is presented to the user for acceptance or rejection. The offer includes a payment term for at least partially satisfying a past-due amount owed by the user. If the user accepts the offer, the status of the account is changed from delinquent to non-delinquent.