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You will only pay what you can afford each month based on the level of your disposable income - that is the money you have left after you have paid for all your essential and reasonable living costs

Creditors do have limits to what they accept on spending so that they make sure the amount you are repaying is as much as you can reasonably afford.

In addition to monthly disposable income payments, if you are a home owner, you will also have to agree to pay any releasable equity from the property to increase the overall amount that the creditors receive.