Pay
Maintain the required payment arrangement.
Debt review after-care
Stay Informed and Supported While Under Debt Review
Debt review is an ongoing process. After-care helps consumers understand payments, documents, changes in circumstances and the steps still required to progress toward completion.
Regular payment evidence, creditor statements, process documents and material household changes all matter. Early communication is important when something may affect the agreed process.
What should you keep track of during debt review?
Regular payment evidence, creditor statements, process documents and material household changes all matter. Early communication is important when something may affect the agreed process.
Payments and statements
- Make required payments on time through the applicable payment arrangement.
- Keep proof of every payment and review distribution information where available.
- Compare creditor statements and report unexplained discrepancies for investigation.
Changes in your circumstances
- Notify DebtRight promptly about job loss, income changes, illness, changed household costs or new contact details.
- Do not wait for several missed payments before asking what options may be available.
- Avoid taking actions based on informal advice that could conflict with the regulated process.
Documents and communication
- Keep court, tribunal, proposal, consent and payment documents together.
- Forward legal notices or creditor correspondence without delay.
- Ask for plain-language explanations when a status or requirement is unclear.
A clear path
What the next steps can look like
Check
Review statements and distribution records.
Update
Report material changes promptly.
Progress
Work through outstanding requirements toward completion.
Frequently asked questions
Questions consumers commonly ask
What if I cannot make the full payment this month?
Contact DebtRight as early as possible. Missed or reduced payments can have consequences, and options depend on the facts and applicable process.
Why do creditor balances sometimes differ?
Timing, interest, fees, statement cycles and distribution records can cause differences. Specific accounts should be reconciled using the available records.
When should I start asking about clearance?
Ask for a progress review as obligations approach settlement so that outstanding balances, documents and clearance requirements can be checked.
Related guidance
Continue with the subject that fits your situation
Your next step
Start with a confidential assessment.
Understand your financial position before deciding what to do next.
Get Your Free Debt Assessment