Debt review, also referred to as debt counselling, is a formal rehabilitation program for consumers struggling to meet their debt obligations. The aim of debt review is to assist individuals who are over-indebted to regain control over their finances. This is generally achieved through a structured repayment plan and/or suspension of credit agreements. With the assistance of a debt counsellor, the consumer pays a fixed monthly amount towards a debt counselling organisation. This amount is distributed between the consumer’s creditors.
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