Here are some of the ways a legal arrangement can help you:

Freeze interest and charges on your accounts: 
If you are finding it hard to keep up with your repayments, the interest and charges on your accounts can quickly add up and make it even more difficult for you to pay off your debt. With a legal arrangement, you can request your lenders to freeze the interest and charges on your accounts. This means that the money you pay will go towards reducing your debt up to four times faster. Not only will this make it easier for you to pay off your debt, but it can also improve your creditworthiness and make it easier for you to get approval for new lines of credit.

Reduce your monthly repayments: 
If your monthly repayments are too high, you may struggle to make ends meet. With a legal arrangement, you can request your lenders to reduce your monthly repayments to make them more affordable for you. This will give you enough disposable income to cover other essential expenses, such as rent, utilities, and groceries.

Provide you with an immediate 30-day payment break: 
If you are facing a financial crisis, you may need some time to get back on track. With a legal arrangement, you can request your lenders to provide you with an immediate 30-day payment break. This will give you time to get your finances in order and get back on track. During this time, your lenders will not charge you any interest or late payment fees, and they will not take any legal action against you.

In summary, a legal arrangement can help you to manage your debt and get your finances back on track.