I'm glad that your creditors appear to be amenable to your suggestions, the majority of posters on here do find the opposite to be true.
Make sure that they do freeze interest and charges, otherwise, as Melanie says, you will be repaying your debts for a long time.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
