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Questions asked regularly and interesting questions asked elsewhere on Beat My Debt are posted here for the benefit of all.
You may be able to get help with an informal debt management programme for free. However, most companies who provide these services will make a charge. This will include an Instruction or Drafting fee which is normally the first one or two disposable income payments that you make. Then you will have to pay a monthly management fee normally around 15% of your disposable income.