To be eligible for a debt agreement, you must: this means that it is more difficult to obtain credit cards, credits or bank accounts, because the default tells the creditor that there is more risk of not paying. You`ll also notice that other types of loans, like mortgages and even mobile phone contracts, are harder to get. If your creditors vote to reject your debt agreement, you may be able to submit another proposal. The new proposal will depend on the reasons for the rejection of the proposal and the possibility of reaching an alternative agreement with your creditors. However, once the proposal has been rejected, the debt will be revived and your creditors will be able to resume their collection activities against you. If no proper agreement can be reached with your creditors, you should consider alternatives such as bankruptcy. .