Store accounts (retail credit) are included in your debt review like any other credit agreement:
• The accounts are frozen – you cannot make new purchases
• Outstanding balances are included in your restructured payment plan
• Interest rates are typically reduced or frozen
• The store cannot take legal action while you pay as agreed
After debt review:
• You may need to apply for new store accounts
• Some stores may decline based on your credit history
• Start with smaller accounts to rebuild your credit