How we can help to arrange a debt solution for you
If you are experiencing problems managing your finances please speak to us. Before making a recommendation we will complete a fact find in order to identify your needs. We will consider all of the available options. We will refer you to our preferred debt solutions supplier where we are satisfied that it is the most suitable option. You will, of course, be updated and informed at all key stages.

We can assure you that you will be dealt with in a professional and sympathetic manner at all times.

You will potentially pay more interest by consolidating if the loan is increased and the term is extended.

What is Debt Management?

• Debt consolidation-Enables you to rearrange your credit and get back on track. Allows you to repay credit card debt, store cards and unsecured debt giving you one lower, affordable monthly payment. You may be able to reduce your credit repayments by up to 50%
• Debt management-Debt management uk allows you to cut your outgoings and cut the hassle related to unmanageable debt. Your debt management company negotiate reduced payments with your creditors. You pay the debt management company and they pay your creditors. The payment you make is one that you can afford after you’ve paid all your essential bills such as food and rent. You can forward any letters and refer telephone calls from your creditors to your debt management company. Unlike an IVA, debt management is an informal arrangement not involving the courts nor requiring minimum debts. Unlike a secured debt consolidation loan your home is not required as security for the arrangement.
• IVA-Depending on your circumstances an Individual Voluntary Arrangement can be an effective alternative to bankruptcy. It may allow you to reduce debt levels, protect assets and make more affordable repayments. There are conditions relating to taking out an IVA, for example you or your partner must be in full time employment and there are minimum levels of unsecured debt that apply. In addition the majority of your creditors must vote in favour of an IVA. Subject to satisfying all criteria you will be put on a payment plan where you will pay an affordable monthly payment which will be distributed between your creditors. Under an IVA assets such as your home are protected. Interest and charges on loans will be frozen and creditors cannot contact you to try to get additional monies once the arrangement is in place.

Which option is right for you?
Debt consolidation loan? Credit card debt consolidation? Which solution best suits your needs? The best solution depends on an individual’s unique circumstances. We recognise that every one of our customers has different circumstances and needs. Because of this, it is only after fully discussing your circumstances and, subject to status, that a recommendation will be made and the best solution agreed.

What Next?
For a free no obligation initial discussion please call Mark on 01902 897783 or Phil on 01743 368516 or, if you prefer, complete and submit our brief online enquiry form by clicking on this page on the ‘Enquire Here’ button.