A: INFORMAL ARRANGEMENTS:
Some creditors could give more time to pay, agree to renegotiate repayments or accept a smaller payment to settle the debt.
Contacting creditors directly or ask help from financial counselling service, a community legal centre, a registered trustee, registered debt agreement administrator, a lawyer or an accountant. They can talk to the creditor on your behalf, give budgeting advice, assist you with contacts in government sources.
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