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Starting A DMP

As you can tell I'm new on here but have been reading alot of usefull threads.

I am in the process of starting a Dmp, but am confused about somethings, so hoping I could get some advice..
So I am ready to send off all documents needed to Step Change. But confused about when I stop paying my creditors &  my overdraft is maxed. I'm worried about trying to change banks. Would I use the switch service.

Sorry if I sound a little stupid just having all these things found round in my head is driving me crazy 🙃 
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