Ted & Josie are married and have four children. Ted works as a storekeeper and earns $25,000 a year. Josie used to work as an administrator, but that job ended a few months ago. Since then, it has been impossible for Ted & Josie to keep pace with its credit repayments. Ted & Josie feel like they`re falling further and further behind and will never catch up. Ted and Josie are considering going bankrupt. Then they see an ad that says, „You`re struggling to pay your debts – there`s a way to get out of business without going bankrupt! Call now. 3.32 Depending on an administrator`s operations, he or she may also describe the systems he or she has in place to support the administrator in this regard. Two years later, she lost her job and had to demand that her payments for the debt deal vary. The debt agreement was originally supposed to last 3 years and the variation took it to 5 years.  An individual or company may apply to the Inspector General to be registered as the manager of a debt contract. The Inspector General must interview a candidate as soon as possible after receiving an application and make a decision on the approval or rejection of the application within 45 business days of the interview. If you are unable to resolve the dispute with the debt agreement broker and the broker is a member of the AFCA, you may file a dispute with the AFCA. .