Consolidate Credit Card Debt

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A Real Life example of how our services changed
one customer's life for the better...

Mr A. of Guildford contacted us in October 2006. He was at his wit's end. Having purchased his home earlier that year, he had no equity to borrow against, and the mounting costs of his new home and supporting his wife and two young children had quickly put him £50,000 into debt.

His monthly minimum payments were over £900, and even at this level he was only repaying the interest each month - the original debt was not even reducing. After his mortgage and these payments, there was barely enough left for his family to live on.

Gradually things got worse. Mr. A. started to miss payments on his credit cards and mortgage - his wife was concerned that they were going to have their beautiful new home repossessed by the building society. She saw one of our adverts and begged him to take action before it was too late.

Our professional qualified advisors arranged an Individual Voluntary Arrangement (IVA) for Mr.A which meant that his debts could be repaid at £325.83 per month, payable over 5 years. Now he will repay a total of £19,549.80, instead of the £50,000 plus interest that he owed. Over the 5 years, that's a saving of over £84,000! Yes, just by talking to us, Mr. A saved over eighty four thousand pounds.

Mr. A and his family are now more relaxed and confident that they have enough money to pay their mortgage and enjoy the good things in life. And best of all, in 5 years, they will be 100% debt free.

How do you prefer to consolidate your Credit Card Debt?

As credit cards become the most common tool used to stretch finances, majority of households now use it almost every day. Maybe this is due to the fact that it’s very easy and convenient to use – just swipe and spend.

However, a lot of them have realized that they are foolish to spend indiscriminately, as credit cards charge one of the highest interest rates that you can find. The next best action that you need to take is to consolidate credit card debt as soon as possible.

You need to do this whilst you’re still in a good position to do so. You may never have the chance to save your finances if you do this when it’s already too late, like for example, when you can’t make even the minimum payments required.

There’s no way around this predicament but to immediately stop using your credit card for the meantime. If you don’t stop now, you will never get out of debt. Debt relief is very possible; however, it totally relies on the person who wants to do what’s best for their situation. There are numerous solutions available, but the most common option is debt consolidation.

Consolidation with a Credit Card

You can consolidate credit card debt by finding a new card that offers very low interest rates on their balance transfers. With this, all your credit card debts will be transferred to the new card. The effect is that you make only one low payment every month.

Aside from making it easy for you to come up with the money to pay for your card, you can almost guarantee that you will be able to pay on time. This is because you will only have one due date to remember, unlike when you have multiple cards in the past and you are stressed out trying to juggle the different due dates you have.

Not paying your credit cards on time is one of the major factors why people fall deeper into debt. Imagine the late payment fees on top of the interest charges that will be added to your debt! So when you can find a new credit card that can consolidate your debt, experts are advising that you to go for it.

Consolidation with a Loan

Alternatively, you can also get a consolidation loan (also with a low interest rate) that you can use to pay off all your credit cards. This option will only apply to you if you have not yet damaged your credit history. If you want a really good option to consolidate credit card debt , you’ve got to give it a try. GP

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