You will immediately experience the relief that our debt review process offers. Within the first 5 days, we will work out a provisional repayment plan for you which is based on what you can afford. In terms of the provisional repayment plan, you will make a single monthly payment to a Payment Distribution Agency (PDA) who will then distribute the funds based on your repayment plan. During the first 60 working days of the debt review process, your credit providers will not be allowed to implement any legal action against you. During this 60 day period, we will prepare your final repayment plan.