I am currently going through a company called Debt Cutter as I fell behind in my loan and credit card payments due to taking a year off work with various medical conditions. The documents have gone to AFSA for final approval and I am still waiting on hearing back. My questions are: does this mean I cannot, or it would be difficult to, get a rental property or buy a property in the future or for the 7 years I am paying this company back? my second question is: I am on a payment plan of $600 per fortnight based on the amount of money I owed various credit card companies. Once the payment plan is finished, will I be free of debt owing through the Debt Cutter company payment plan and unencumbered of all the credit card companies I owe the money to? Thank you.