Debt Solutions

Debt Management

0845 519 6093

DEBT SOLUTIONS

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Debt Management Process

Debt Management fact find

Firstly, we want to give the best advise always so we will not advise on any of our debt solutions unless we know what you financial situation is. In the fact find we need to know your credit commitments, income and expenditure. Our debt advisors will then work out a monthly payment you can afford.

It may take longer to repay your debt using some of our debt solutions; however a Debt Management Plan can result in significant reductions to your monthly payments.

Call the debt solutions helpline on: 0845 519 6093

To apply for a debt management plan, you need at least two debts and owe a minimum of £1000.00 and are able to demonstrate you're struggling to make current payments. Don’t worry if you don’t fit this criteria we may stall be in a position to help and if you owe more that £14500.00 then an IVA maybe a better option for you.

Negotiating with your creditors

Secondly, once we have established how much you can afford to pay and you are happy, we will send out our paperwork which you must sign and return straight away, we can not act on your behalf until this is done.

Once we have you signed paperwork we will then start negotiating with your creditors, to accept the reduced monthly payments, freeze interest and charges and to stop any harassing letters and telephone calls.

You monthly payment is then distributed to you creditors on a pro rata basis (the largest creditor gets the largest payment) every month after we have taken our monthly debt management fee of £25.00.

Yearly debt management review

Thirdly, every 12 months we will review your debt management plan and perform a financial review. This will ensure that the debt management plan remains affordable, if however your circumstances change before your review please let us know as soon as possible.

Can debt solutions help me get out of debt?

YES we can. Everyone’s personal situation is different and each debt solution is different so we need to work out which will best suit your financial needs.

We will complete a FREE 20 minute fact find with you to work out what your earning and spending and this will let us know how much you can afford to pay to your creditors and also which debt solution is best for you to help you get out of debt. You are under no obligation but I am sure you will be 100% happy with what out debt advisors can do for you and we have the lowest debt managenent fees in the industy

We pride ourselves in our friendly, professional approach to finding the right debt solution for every one of our clients, which is honest, confidential and always the ‘best advice’ based on your individual circumstances.

If you would like to speak to one of our friendly, professional debt experts about any of our debt solutions you can either call our debt solutions helpline on: 0845 159 6093 or complete our online contact form and one of our debt advisors will call you back within the hour.