Payplan sorted our debts

Don't let your debts worry you so much was the kind advice the man from Payplan said today.They have sorted the debts, in so much as they have made offers to the creditors. Now we wait. What happens if the creditors refuse.If only I could win the lottery.Every day is a nightmare. It seems that a lot of the credit card people have passed the debt on to debt collecting agencies. I suppose that means more knocks at the door.