• 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?

This will depend on your credit status, which will be adversely affected by your participation in any debt management plan.