Payplan have helped me a lot, but be aware they don't try to get creditors to reduce thier interest rates, and my outstanding balance is always wrong (much lower on the payplan site that the debt really is). THey have not been frank about this and I now I find I will have to live on almost nothing for 1 1/2 years longer than they suggested at the beginning of the plan. If things change you can expect a period of increased creditor pressure (letters, calls etc) as Payplan are pretty slow to notify them of changes.
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