It can be divided into five steps.
1. First you select your Debt Counsellor.
2. You and the Debt Counsellor compile and complete all the needed documentation.
3. Together with the Debt Counsellor your indebtedness is evaluated and a proposal is prepared.
4. Negotiations with creditors. The Debt Counsellor will negotiate on your behalf.
5. Implement agreed payment plan. The plan agreed upon by all parties will be implemented and you will receive regular updates from your Debt Counsellor.