Is a medium to long term process during which you pay a single lower instalment every month. The single payment covers all debt.

Every case is unique and depends on the amount of debt you have; our clients are debt free within 36-60 months

No, your debt counsellor will instruct you to open a new account, credit provider will not be able to debit from you account.  In addition, Debt structure notify all your credit providers that you have been approved for debt counselling and may no longer contact you for money.

No, until all your debt is paid in full and we issue the clearance certificate that states your name is clear, you can apply for new debt.