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This plan is an agreement between you and a financial institution, society or bank. The goal is to clear your whole debt by paying a certain amount every month. To enter this plan, borrowers must comply with some requirements: The plan only covers unsecured debts, such as car loans, credit cards and store cards. To contribute to the plan, the borrower must have remaining disposable income after all living costs are paid. The best thing about the plan is that all personal debts can be grouped into a single monthly payment.

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