<topic sku="core" tNum="226534" author="a-gabr" xmlns="x-schema:hhTopicSchema.xml"><index><title>Troubleshoot the Debt Reduction Planner</title><category>debtplan</category><klink type="trbls">Troubleshoot the Debt Reduction Planner</klink></index>
<content>
<p>What are you having trouble with?</p>
<extend>
<tease>I have automatic payments (Apays) set up in the Accounts & Bills area for a particular account that I want to include in my debt plan. How do I avoid scheduling the payments twice?</tease>
<reveal>
<p>Do one of the following things to avoid duplicate scheduled payments. Do not do both.</p>
<ul>
<li>On the <emph>Accounts & Bills</emph> menu, click <emph>Bills & Deposits List</emph> and cancel the <glossary>Apay</glossary> for any scheduled payments on this account. <alink type="prcdr" href="PermanentlyCancelinganAutomaticPayment.xml"/></li>
<li>In the <emph>Debt Reduction Planner</emph>, follow these steps to make sure the debt payment is not scheduled:</li>
</ul>
<ol>
<li>On the <emph>Planner</emph> menu, click <emph>Debt Reduction Planner</emph>.</li>
<li>If you see the <emph>Get Started</emph> button, click it to display your debt reduction plan or to create a plan if you haven't set one up.</li>
<li>At the bottom of the page, click <emph>Next</emph> until you see the <emph>Take action & reduce your debt</emph> page.</li>
<li>Clear the check box for the debt payment, and then click <emph>Yes</emph> in the warning message that appears.</li>
</ol>
</reveal>
</extend>
<extend>
<tease>How does the Debt Reduction Planner factor in interest on my debt?</tease>
<reveal>
<p>When you enter a <glossary>debt</glossary> in your <glossary tNum="288838">debt reduction plan</glossary>, Money assumes that interest starts accruing immediately, so the minimum payment reflects the interest that will accrue until the payment date. If you have not entered an interest payment because you don't owe any interest during the first month of using the debt reduction plan, the plan will automatically adjust your total balance on that debt.</p>
