It costs us between $2000 and $7000 to prepare a debt agreement, depending on how complex it is.  This is not covered by the fee we charge to prepare the agreement.  In the unlikely event we can’t get your agreement approved we will happily refund everything to you (minus the $200 government lodgement free). If you cancel mid agreement we won’t refund you what you have paid such as dividends to your creditors, we will however right off any unpaid component of the fee, this results in us incurring a significant loss but that is our policy.