Debt review is a totally voluntary process. You can exit at any stage, but there are consequences when you exit prematurely.
If your debt review failed because you were unemployed, you simply need to ask the debt counsellor to update your credit profile.
I would suggest that you attempt to get back under debt review if you have got new employment. this might be the only way to protect your vehicle. The credit providers are within their rights to continue action against you because your previous debt review was terminated.
There are unfortunately no guarantees that your creditors will co-operate with a second debt review. it is worth it to try a new application
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