Need help finding the right debt solution?
Our specialist advisors are here to help you find the right debt solution to suit your needs. For help & advice, simply complete our Debt Solution Finder or call us on 0800 2300 025.
Get no obligation advice in just 5 minutes!
Government recognised debt schemes
With specialist, expert, no obligation advice and over 30 years combined experience, we can find the best options available to you - FAST!
Debt Consolidation Loan
Clear all of your existing debt with one Debt Consolidation Loan at a rate you can afford.
We will reduce all your existing monthly repayments in to one affordable monthly amount, leaving you with more money to live on each month.
A repayment scheme which enables you to pay back less than you actually owe, leaving you debt free in under 60 months - GUARANTEED! An IVA also protects your assets i.e. your home and car.
A government endorsed scheme for Scottish residents which enables you to clear your total debt in under 36 months with one affordable monthly payment. The remainder of debt is written off, also your assets are protected i.e. your home and car.
In exceptional circumstances where you can afford very little or nothing each month, we offer a Bankruptcy service. Bankruptcy will ultimately leave you debt free.
Find your debt solution NOW!
If you have a question that isn't answered below then feel free to give us a call on 0800 2300 025. Alternatively you can contact us by email or post.
How does a Debt Management Plan work?
We analyse your personal financial situation ie. Outgoings, incomings etc and then come up with a repayment plan that suits what you can afford.
How long does it last?
This can vary depending on the size of the debt. Obviously the more you owe, the longer it will last.
How do I apply?
You simply fill out our quick and simple form
and we will assess what the best form of Debt Management is right for you.
Can Debt Management help with secured debts?
Debt Management Plans cannot help with secured debts as they only cover non priority debts. Debt Management can however, manage your unsecured debt around your secured debt to make payments a lot easier.
Are there any disadvantages?
As with any Debt Management program or action the disadvantage is that it will appear on your credit report for up to 6 years therefore affecting your credit rating. Also because there is no legal binding with a Debt Management Plan you can still be pursued by creditors with court actions.
What will I get with my Debt Management Plan?
We will help you deal with any court processes should creditors pursue you. You only pay what you can afford and we will contact your creditors and offer to deal with any future correspondence giving you peace of mind to deal with other things.
How does the process work?
You contact us
and inform of us of your debt situation. Our team of fully qualified debt advisors will look at and assess you debt and personal situation before making a decision on what Debt Management program will work for you. We then agree on a manageable payment based on your income and outgoings to set up a monthly payment plan that you can afford.
What help do you provide?
We will offer you non stop support throughout the repayment of the debt and will also handle any correspondence with creditors so all you need to focus on is paying your monthly fee. You can also contact us at any time.
How can you help to deal with my creditors?
We will write to them and offer to deal with all correspondence with them for you and if they do decide to continue with action through the courts then we will advise and help you throughout.
How long will it take to pay off my debts?
Depending on the size of the debt this can be a short or long process.
Will I have someone to help me all the way?
Yes we will support you and offer you advice throughout the entire Debt Management process.
What if I change my mind?
As a Debt Management Plan is an informal arrangement between you and the creditor, if you feel that you want to change your mind then you may do so. Although we would appreciate plenty of notice so we can inform them.
If you are simply looking for advice we are happy to help. Just fill out the form below and we will call you back to discuss your options.
Whilst all of our advice is free with no obligations, we can spend as much or as little time as you wish discussing the most appropriate solution to suit your needs. If at the end you decide to positively resolve your problem by allowing us to provide you one of our first class services, there will be a small cost in doing so. Please refer to our terms & conditions.
This however is often offset by your reduced payments to your credit companys.