Can the credit providers change their mind after the debt counselling proposal has been agreed upon?
Once an agreement has been reached between creditor and debt counselor, the decision is set in stone so to speak. Once signed off, the creditor may not change the terms of the agreement in any way. This legally binding agreement allows the debtor to repay debts without threat of legal action resulting in loss of assets or means to live.
As long as the client maintains payments each month and ensures all is in order, this agreement is binding until the debt has been paid off.