How to Recover Your Money When You Can No Longer Continue Payments on CDcare

At CDcare, we understand that things don’t always go as planned.

If you’re unable to continue your installment payments, there is still a way to recover part of your money and move forward. You’re not stuck, you have an option

If you can no longer keep up with your payments, you are not locked in.

Instead of holding on to the item and incurring ongoing charges, you can return it and recover part of what you’ve already paid. Why acting early matters

Once the grace period expires, keeping the item without payment will lead to Failure-to-Return Fees, which continue on every payment cycle.

Returning the item early helps you:

• Avoid additional charges

• Protect your balance

• Maximise what you can recover
  

How the process works

1. Return the item

If you’re unable to continue payments, return the item within the grace period.

You can:

• Drop it off at any CDcare pickup center

• Or contact us to arrange a pickup

  
  

2. 30-day holding period

Once the item is received, it will be held for up to 30 days.

This gives you time to:

• Resume your payments

• Continue your plan and take the item back

  
  

3. If you’re still unable to continue

If you do not resume payments within 30 days:

• The item will be assessed based on its current market value and condition

• CDcare will assist in finding a buyer

  
  

4. Settlement and refund

From the value of the item:

• Your outstanding balance will be deducted

• Applicable charges will be deducted

• Any remaining balance will be refunded to you
  

Simple rule to follow

If you can’t continue payments:

👉 Return the item early

The earlier you act, the more you protect your money.

Think of it as a reset

Returning your item is not the end, it’s a way to:

• Reduce losses

• Recover part of your money

• Stabilise your finances

And when you’re ready, you can always come back and continue your journey with CDcare.