If you are over indebted, i.e cannot pay all your monthly living expenses and debt repayments, we will negotiate reduced payments with your creditors and then you will instead make 1 reduced payment per month to a Payment Distribution Agency - which will distribute the funds to your creditors.
Debt Review is Not the same as a Consolidation Loan - it is Consolidation Without a Loan. if you are not over indebted (you can pay all your living expenses+ debt repayments) then you do not qualify for debt review.
When you are under debt review you cannot take out any further loans or credits until you have completed your debt review.