If you can’t meet the new payment requirements under the payday loan consolidation plan, you are free to cancel the program at any time. When you do this, you will be responsible to your lenders for the loans you have taken. However, we try to devise our debt management plans to adapt to changing circumstances. If your income changes, we will contact your lenders and let them know of the change and see what can be done about it. In some cases, we can skip a number of payments and keep you on your plan. In other situations, we'll put a new plan in place that fits your budget and is acceptable to the lender.