Unlike a consumer proposal or bankruptcy, eligibility for a DMP is determined by only two questions: (1) do you have debts to repay and (2) will a DMP help you repay them? Before getting started, your counsellor will carefully review your situation and determine if a DMP is affordable, logical, and if it will address both your current situation and future credit goals. If it will, your counsellor will prepare a program outline and get the negotiation process started.