Help with debt

We offer individually tailored debt management plans to help with debt problems. These plans have the flexibility to change with your changing circumstances.

How does a debt management plan work?

We help with your debt by working with you to analyse your finances and work out what you can afford to pay towards your unsecured debt. You will still have the money to pay all of your monthly outgoings. You will have the money to pay your rent or mortgage, bills, and run your car, and run your whole life. We work out for you what's left in the pot to pay your creditors once your monthly outgoings are taken care of. As long as you have a minimum of £90 a month to pay towards all of your debts we can help you. If £90 a month is all you have to pay all of your debts no matter how much they are, then this is the figure will do our best to negotiate for you.

Once our complete financial review is done we will know how much you can really afford to pay to service your debts. We will contact your creditors and negotiate a new lower payment figure with them. We will ask them to charge you an interest rate of 0% and to stop adding charges onto your accounts. In the vast majority of cases we successfully do this.

We will get agreement in writing from your creditors that they have accepted our offer of lower payments and that they have agreed to stop all debt interest and charges. You will also receive your own copy of this. Once this all agreed your debt management plan will start. You will make one monthly payment towards all of your debt to us, and we will distribute the monies agreed to your creditors on your behalf.

Occasionally during your plan your creditors may wish to call you or write to you. When this happens you can just ask them to call us if you don't wish to talk to them. You can forward all letters to us, and we will deal with them for you and let you know what we have done.

Why do these companies accept lower payments and 0% interest?

Loan and credit companies know that they lend people money they can't afford to buy stuff they usually don't even need! These loans are unsecured and charged at exorbitant interest rates that many just can't afford. We make sure that your creditors fully understand your financial situation and we prepare a statement of financial affairs. Armed with this important tool we show your creditors what you can actually afford. Your creditors will know they are getting the most money they can because we will prove to them that you just can't afford the current level of payments and that adding debt interest will just make the situation worse. Rather than expensive county court hearings and solicitors fees, your creditors prefer to receive some money and to know that you are doing your best to pay what you can afford to them. The help of a specialist debt help company such as ourselves is vital to getting them to agree to all of this

What do I need to do now?

Once you're sure that you want to start the process of getting out of debt, you need to contact us. We will calmly talk you through the process and we guarantee that you will feel a whole lot better about your debts by the end of our chat.