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Testimonials
“After the first phone call we felt immense relief. They didn’t patronise us in any way. There’s no better feeling than knowing you are in control of your finances. We just knew that we’ve done the right thing.”
Mr and Mrs D & P Lincoln
Debt Management Plans
Debt Management Explained
If you as a consumer have accumulated high unsecured debt and are struggling to pay it back then there is a way for you pay back your creditors with payments that suit you.
Debt management plans work by contacting a licensed debt advisor/manager who looks into your finances and works towards setting a budget and an affordable repayment plan so that you can continue to pay your creditors and have enough money to live. With this budget and monthly payment agreed the debt manager will contact and negotiate with your creditors to agree the reduced payment.
The companies usually agree as the payments will continue until completion but will take longer due to the reduced repayments. When the new repayment is agreed you start to pay the new reduced monthly payment to the debt manager who distributes to the creditors and the debt is steadily reduced until all the money is repaid to the creditor.
Stop Being Hassled By Creditors And Say Bye To Stress
Apply Now - Take control of your Debt
By submitting this form you agree to be contacted by one of our preferred partners. See our privacy policy and terms and conditions.
- Complete the short enquiry form
- An advisor will call you direct
Write off debts you can't afford
Call 0800 988 9323 for debt advice now
Please note calls from mobiles may be charged.
24 Hour Debt Solutions
Debt Management consolidates debt in to ONE low affordable payment without further borrowing
Get Out Of Debt
| Advantages | Disadvantages |
|---|---|
| Monthly payments are affordable | It isn't legally binding |
| Interest is sometimes frozen | Chasing can continue |
| Your home is not at risk if you keep up payments | The debt does not go away (it can get worse) |
| Your friends and family don't have to know | A DMP can take a long time to complete |
| We will deal with all of your creditors | Your credit rating will be affected |
| You have access to help if creditors contact you | Interest can sometimes continue building up |
The Longer You Leave Your Debt Problems - The Worse The Situation Becomes.
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Citizens Advice
Citizens Advice Bureau offers free, confidential, impartial and independent advice. Your local Citizens Advice Bureau is listed in the phone book.
www.citizensadvice.org.uk/cabdir.ihtml
The Community Legal Service
Aims to ensure that people in England and Wales find the right legal help easily and can be confident of the service they get.
www.clsdirect.org.uk
Advice UK
Represents about 900 independent advice agencies in the UK providing generic advice. Contact them to find the advice agency nearest to you.
www.adviceuk.org.uk
Citizens Advice Scotland
Citizens Advice Bureau Scotland offers free, confidential, impartial and independent advice. Your local CAS is listed in the phone book.
www.cas.org.uk
National Debtline
The helpline that provides free confidential and independent advice on how to deal with personal debts.
www.nationaldebtline.co.uk
Money Advice Scotland
Promoting high-quality, free, confidential, independent and impartial money (debt) advice.
www.moneyadvicescotland.org.uk
Consumer Credit Counselling Service
A registered charity whose purpose is to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice.
www.cccs.co.uk
Directgov
Directgov brings together the widest range of public service information and services online. Produced by the Central Office of Information, Directgov provides information from across UK government departments.
www.direct.gov.uk/en/index.htm