In this situation, it would be best to speak to your debt counsellor to try and work out a new payment plan. You cannot take a break from making your debt repayments as this can result in cancellation of your debt counselling process and will require you to start paying the original instalments prior to debt counselling and damaging your credit report even further. Cancellation of your debt counselling process is also not an option as many debt counsellors do not accept clients who have already been under debt counselling, especially if you cancel as it would show a lack of commitment to paying off your debt.
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