We are committed to ensuring you become debt free. If your agreement becomes unaffordable, we will propose a 'variation' to your creditors to reduce your payments to a level you can afford. If you can’t afford to make any repayment, you’re agreement will terminate after 6 months without payment. Interest and any amount we negotiate off is reinstated and creditors can pursue you again.  The good news is close to 90% of all our clients successfully complete their agreement. For those who don’t complete, we assist them in filing for bankruptcy.