This will depend on how much debt you owe and how much money you have left over (surplus) each month to pay the debt. You’ll only be able to set up a DPP if you can repay what you owe in a reasonable amount of time. This may be up to 20 years, although it’s rare for DPPs to last this long.
If you can’t repay your debt in a reasonable amount of time you may be more suited to a form of insolvency like sequestration.
Your DPP ends when you’ve made all the payments you agreed to make and the debts have been cleared, or if you clear the debts with a lump sum payment. Read our guide to completing your DPP to find out what to do next.