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Contrary to popular belief, big spenders and those who are careless with their money are not the only ones who risk racking up large debts. Unlike the Debt Consolidation Plan which only allows for certain unsecured borrowings, a Debt Repayment Scheme can include all unsecured borrowings. A debtor on the Debt Repayment Scheme will no longer have interest penalties levied on balance outstanding. You will also be issued a Certificate of Inapplicability if you are made a bankrupt or if you have passed on.

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