THE FIRST 30 DAYS

Well, done. You pulled the trigger and have started the process.

Sending in forms and communicating with your Debt Counsellor can help keep you calm during this wild time of transition.

There can be a bit of a scramble to change banking info or cancel debit orders. This is a big change but it keeps us busy and makes us feel like we are making progress.

The real test comes at the end of the first month when you have to make your payment (probably via a Payment Distribution Agent like CollectNet, DC Partner, Hyphen PDA or iPDA).

It’s a big change.