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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.

Get to Know How to Consolidate Your Debt

If you are full of debt and you can’t take it anymore, then you need to consolidate debt. Relief from debt is very possible if you educate yourself on the benefits and simplicity of debt consolidation.

In simple words, debt consolidation means merging your multiple debts in a single convenient loan. It can lighten your burden because you only need to pay one payment amount in one due date.

Types of Debt Consolidation

Your consolidated loan can either be secured or unsecured. Secured debt consolidation would need collateral (such as your home or any property) to be approved. It has the lowest rate of interest that you can ever find.

On the other hand, an unsecured debt consolidation loan does not need collateral to push through. Although this type of consolidation loan has relatively higher interest rate compared to secured loans, you can be assured that its rate is still low compared to your existing loans.

Consolidate debt relief programs can be found on the internet. It is such as great option for those people that have multiple debt and unable to keep up with their monthly payments. This move will definitely save you from bankruptcy.

Benefits of Debt Consolidation

There are multiple benefits of debt consolidation. These are some of them:

1. You will never juggle different monthly repayments again because you are only required to make one payment to the debt consolidation company and they will be responsible to distribute that amount to your creditors. This will significantly reduce missed or late payments. Therefore, you don’t need to worry about late payment charges or fees.

2. The rate of your interest will be greatly lessened. This will depend on the skill of your counselors. That’s why it is important to choose your consolidation company well. Not only that, they could also request your creditors to waive your existing late fees to further lower down the total debt balance.

3. The repayment plan that your counselors will propose is individually crafted to what you can afford. The amount has to be in sync with the current financial standing you possess in order for you to have no problems in keeping up with your monthly repayments.

4. When the debt consolidation loan has already been approved, you will no longer receive harassing phone calls from the collection agencies of your creditors. This will definitely make your life stress-free.

Remember to choose wisely from consolidate debt relief options in order to pay off your debts seamlessly. If you research more and educate yourself further, you can achieve a debt-free life. GP

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