After the stabilization phase, the debt settlement best suited to the client's situation is reviewed with the client. The debt relief worker makes a debt overview and calculates the VTLB. Then the debt counselor and the client determine which debt settlement is the best solution for the debt.

In this Divi, the client is given information about the VTLB, what a debt settlement is, what types of settlements there are, how the client can prepare and what the client can do themselves.