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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.

Consolidate Debt and Live an Abundant Life

Debt follows a very vicious cycle. The natural tendency for a person in debt is to get more debt in order to repay the previous ones. However, there is a solution to this problem – consolidate debt and live an abundant life.

Debt Acceptance

If you admit that you have debt problems and accept the fact that you need help, then half the fight has been won already. Because if you acknowledge your shortcomings, there is a big possibility that you will be willing to change your habits and lifestyle as well as follow the teachings of the experts in reducing your debt. This would include elimination of credit cards, budgeting of money and reduction in spending.

In addition to having control and mastery of yourself, you should also look for debt counselors that will help you relieve debt easily. You can look for them in various UK companies that are offering debt consolidation.

It is best that you choose the most appropriate company to consolidate debt with. This is one of the major factors to ensure the success of your goal to be debt-free.

Choosing Debt Consolidation Services

Debt consolidation services means negotiating with your creditors to cooperate in replacing all of your debt obligations and consolidate it into a single loan. There are a lot of debt settlement and debt management companies offering these services.

You can find them in the internet for your convenience. Just type in “debt consolidation services” on your favorite search engine and you will find a long list of these companies. So now it is up to you to choose the one that you think could help you the most.

It is best to go with a reputable or well-known company to make sure that you are protected. Trust is the number one factor that you should consider in signing up for these companies. If they consist of unscrupulous individuals, your debt payments will never end.

When you have chosen the company that you’re comfortable with, their counselors will approach your creditors and appeal for low interest rates and balance amounts. Now you can avail of convenience and affordable payments upon approval.

It is better to gather several debt consolidation quotes from different companies to make sure that you have researched the rates well enough to settle for the best. Read the fine print of their terms and conditions. Aside from choosing the monthly repayment rate that you can afford, you should also make sure that they have the skill and experience to consolidate debt . GP

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