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== Client problems ==
* Client wants advice on repaying debts and has the financial ability to pay something toward all of them, but needs a lower overall monthly payment and additional time to pay.
== Summary of the law ==
[[File:Consumer_Law_and_Debt_-_Consumer_and_Ordinary_Proposals.jpg|thumb|275px|right| link=| <span style="font-size:50%;">Image via www.istockphoto.com</span>]]