The four-step process
A debt repayment plan only holds if it is built from your real numbers and revisited when those numbers change. The process below is what every NetRelay Debt Planning session follows.
- 1
Send your last 90 days of statements
Before the session you send PDF or screenshot exports of your bank and card statements for the previous three months. We sort every transaction into four buckets: fixed obligations, variable essentials, discretionary, and debt service. Nothing leaves your working file.
- 2
Cash-flow diagnosis, live
In the first 25 minutes of the session we walk through the sorted transactions together. Most households find one bucket they had been underestimating. We agree a single monthly cash-flow target: a fixed amount you can commit to debt without dipping into essentials.
- 3
Repayment schedule modelled on your rates
We model two repayment orders — snowball (smallest balance first) and avalanche (highest rate first) — against your actual balances and APRs. The difference in total interest is often larger than people expect. We pick one together and you leave with the schedule as a PDF, finish month included.
- 4
90-day follow-up
Three months later we hold a short follow-up. We compare the plan against what actually happened. If the cash-flow target broke, we adjust the schedule to the new number rather than asking you to stretch. A plan that cannot be adjusted is a plan that gets abandoned.
What the process does not do
This process is educational planning support. It does not negotiate with lenders, file for individual rehabilitation (개인회생), or give regulated investment or tax advice. Where your situation calls for any of those, we say so in the first session and point you to the right channel.
Start with one session
You do not commit to a package. Book the first session, leave with the cash-flow diagnosis and repayment schedule, and decide whether to continue from there.