Hello my name is ***** ***** I will help you with this.
I assume the debts at present are unsecured totally?
Ok - as long as they accept the Debt plan you are fine. Once they accept it there is no going back.
The risk of course is if they dont accept it, they could issue proceedings and secure the debt.
But Step Change are great at doing this sort of thing and a charity, so you are in good hands.
If they accept the plan you are fine.
Can I clarify anything for you about this today please?
Sadly not - because if you do that and creditors see, they can ask the Court to transfer it back.
If you do this now, it would alert creditors that you are trying to hide something.
So go with the DMP with Step Change.
There is nothing more you can do at this stage.
Creditors would rather get something than nothing, so I would not worry about the home
Does that clarify?