Maybe the best way is another way!
After analysing your situation, we may determine that a formal solution is not required to tackle your debt. In that case, we will look into other options and guide you to the best solution or to another professional resource.
Voluntary deposit is a court-managed process that allows basic protection from creditors while debts are being paid. A monthly payment would be calculated by the court using the formula for wage garnishments.
If your financial situation and credit score are not compromised, it may be possible to negotiate a new loan arrangement with a financial institution with better repayment conditions than the ones you currently have.
Direct negotiation with creditors
Sometimes, negotiating directly with a creditor may be an appropriate solution that would be to the advantage of both parties.