THE NEXT 30 DAYS

During the second month you are going to start longing for your credit card. You are now being forced to think about how you shop and spend, it’s difficult.

Also, you may now get one or two weird messages from a collections person who does not know about, or understand debt review.

You may notice that your bank statements show no payments coming in (because you paid your Debt Counsellors fees in month one). That can feel a little worrying.

Incorrect stories by greedy collections people, incorrect information from friends or Facebook can make you doubt the process, even though you have just begun. This is where many people very foolishly drop out of the process, causing themselves a ton of problems for years to come, this is a really a dangerous time.

Like many good habits, things feel hard at first. Going shopping without your credit card or paying your bills without running to get another loan can be such a different way of life, it can feel overwhelming.

At the end of the month, you now pay your legal fees which helps you get legal protection and organise your court order restructuring your debts. This is very important and can make you feel like you have made more progress, helping you stay focused.

You may have found yourself dealing more with your attorney this month than your Debt Counsellor. They were chasing you to sign and return the all-important confirmatory affidavit (Please do, it is vital).

You are getting into the swing of things, debt review has almost become a habit, almost.