Get Out of Debt

Every client and every situation is different, so therefore our process is to obtain all the facts about your circumstances in order to decide how we can help.

Once we have assessed your income and expenditure details, the types of debts that you have, and the causes and extent of the problem, we can get to work immediately to put things right.

Don’t worry, we won’t be too intrusive and all the details you provide will be treated with the strictest of confidence.

If you are finding multiple monthly payments to many different creditors difficult to keep up with, it may make things simpler to consolidate all your debt repayments into one manageable monthly payment. 
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Have you contacted your bank to see if you qualify? Have you tried switching your credit card to interest-free deals or to a company offering a lower APR?

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If you have tried these options but your bank or credit card company has said “no”, it may be time to look at other options as listed below.

This is an informal arrangement between you, us and your creditors. We will assess your income and expenditure, calculate your monthly disposable income, and this will be your affordable monthly payment towards your debt management plan.

Should you be happy to proceed, the creditors will be offered a pro-rata distribution of this payment, which will enable you to get on with your life knowing that your debts are under control at a rate you can afford. We will do our best to make savings and reduce your debt if we can, for example by reclaiming unfair charges and any mis-sold Payment Protection Insurance.

Please note a debt management plan should be considered a short to medium term debt solution, and we will monitor your situation to try to source a long term solution as time goes on. Rescheduling debt may affect your credit rating and also could increase the term of repayment.

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