And you can’t get new credit until all the debt is paid off: in other words, it’s a process not to be entered into lightly. To get out of it, you have to pay a cancellation fee.
“Anyone who holds themselves out to the public to be a debt counsellor should be registered with the NCR. Only deal with debt counsellors who are registered.” Apart from the risk of serious injury or death as a result of veering off the road, that combination of wet road and poor tyre tread will most certainly result in your insurance claim being rejected.
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