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    The Process

    What if my income increases during debt review?

    If your income increases significantly during debt review, you have options:

    • Continue with your current plan and pay off debt faster

    • Request a plan review to increase payments and shorten the term

    • Make additional lump sum payments to specific creditors

    • If you're no longer over-indebted, apply to exit debt review

    We recommend reviewing your plan annually to ensure it still reflects your circumstances. Paying more when you can afford to helps you become debt-free sooner.

    Expert Answer

    Provided by NCR-registered debt counsellors (NCRDC3106)

    Need Personalised Advice?

    Our NCR-registered debt counsellors can assess your unique situation and provide tailored guidance.