Frequently Asked Questions: What is debt management plan? What does it cost? What if I keep getting letters and phone calls from my creditors? How safe is my money? How quickly do you pay my creditors? How will I know my creditors are being paid? Can I pay more or less if I want to change payments? Do I need to change banks? Will I be able to get a mortgage or further loans/finance? Is this a loan? Do I need to cancel my direct debits? What if I am not happy with the service? Are you governed by any regulations? What happens to my information and records? How will this affect my credit rating? FAQ Answers.... Click a question above.