Can I just ask, and you don't have to answer, but why wait till july to lodge? Is it for the end of financial year? Other wise it is just another month of debt piling up. I don't know if they have warned you of this but our trustee froze our bank accounts for a bit to ensure that everything we said was legitimate so just be prepared for that. Also they will want a fee as well but the amount depends on what is left in your estate. I felt horriible doing it, like I was chickening out of my debts by doing it, but we really had no choice, and the relief after lodgement was just palpable. You don't realise how much stress you are under sometimes until it is gone. Good luck.