In debt? Looking for help to clear personal debts?

If you are in debt and feel it is starting to control you rather than the other way round then it is time you got professional debt help. We all hate the feeling of not being in control of our own destiny. It is especially unwelcome when it is because of your financial situation and can have severe implications on your life if it is not addressed.
We can give you the debt help you deserve!

There are other signs that you may need debt help. Ask yourself these simple questions.

• Do you worry about how you are going to pay your bills each month?

• Do you have to choose which bills to pay and which ones to leave till next month?

• Do you have a steady stream of phone calls and letters from creditors?

• Do you get stressed and emotional because of your debts?

• Are you arguing more with your spouse and other family members?

If you recognise these symptoms then please call us for debt advice before it gets worse.

What is the difference between a debt management plan and IVA?

A debt management plan is something we design around your personal situation. That means it is based on the debts you have, your level of income and how you earn it and your lifestyle amongst a few other things. Once this is all established, we create a plan of action to deal with your debts.

Debt solutions
We look at your debts and re-organise them into something that is easier to manage month to month. Sometimes we even manage to reduce interest and charges due but our main aim is to get your bills paid on time, make your life easier and save you money in the long run.

Debt Consolidation
Debt consolidation is where you add up all of your debts, take that figure and take out a new loan to pay them all off in one go. You then make regular and often smaller payments each month reducing interest, charges and all the trouble associated with bad debts.

IVA or Individual Voluntary Arrangements
An IVA is a formal agreement between you and your creditors where a repayment amount is agreed for a fixed term after which you become debt free. Once agreement is reached between you and the majority of your creditors, your creditors can not come back asking for more later. Your outstanding debts will be written off at the end of your IVA.

Who can we help?

We can help anyone who feels they need free help to clear debt. If you then decide we can help you further after hearing what we can do for you, even better.

We help single parents, newly divorced people, students, the retired, people with a disability and even people recently made redundant with debt management UK.

To find out more, fill in the form or call 0800 018 6868