Almost immediately. Within the first 5 days, we will have drafted a proposal to restructure your debts and created a provisional repayment plan that you can afford.
You will then start to make a single monthly payment to a Payment Distribution Agency, which will distribute the money to your various creditors according to your plan.
During the first 60 working days, your credit providers will not be allowed to implement action against you, and we will use this time to prepare your final repayment plan.
Many clients report feeling significant stress relief within the first week of applying for debt counselling.