Credit Debt Management

Home

How it Works

FAQs

Contact Us

Reduce your debts quickly
Protect your family
No more embarassing phone calls
Protection from your creditors
No more threatening letters

First Name:*

Last Name:*

Post Code:*

Home Phone:*

Mobile/Work Phone:*

Email Address:*

Best Time To Contact:*

Monthly Net Income:*

Monthly Expenses:*

Nature of Income:*

Residency Status:*

Number of Debts:*

Total Amount Owed:*
(excluding mortgages and/or secured loans)

Fill out our no obligation form today
and you could soon be seeing
a brighter future too.

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.

What Does it Take to Have Debt Relief

There is a common misconception that the problem of excess debt is a result of getting easy credit anytime a person wants to. Experts say that this is not true. The reason why thousands of people are seeking credit debt management today is because of lack of discipline and failure to seek help early enough.

Lack of Discipline

Sure, maybe the availability of easy credit may be a temptation to shop more, but still, it should not be given as an excuse for overspending.

Having said that, it does not mean that irresponsibility is the only reason why everybody gets into knee-deep debt. Some people also fall into this situation because of unexpected income drop, job loss, or illness.

But whatever is the reason, you should prevent yourself from falling into this stressful position. And if you are already in it, you should address it right away – the sooner you do, the sooner you can get out of debt. It’s very surprising that a lot of people are living on soaring credit card debt.

However, it’s even more surprising that they are not bothered by it – whether they are really not aware of it, or they choose to be intentionally unaware. So instead of availing a credit debt management plan, they would rather forget about it until it has grown into a monster called bankruptcy.

Seek Help Early

So try to step back today and admit that you are accumulating quite a large pool of debt. And even if you sleep on it tonight, it’s not going to go away tomorrow. Financial abuse is very similar to alcohol or drug abuse – you cannot solve the dilemma until you admit to yourself that there is something wrong. So maybe it’s time to seek the help of the experts in sorting out your finances.

These financial experts will assess or review your existing financial situation. Then, they would think of ways on how to help you reduce (and eventually eliminate) your debt. They may charge some fees, but oftentimes, their service would be truly worth it. Anyway, they often offer free services such as money management education or due date reminder, etc.

What’s good about this is, the debt solution is a very personalized approach – it’s tailored to your own unique situation. And if you follow their strategy, you would have debt relief in a realistic time frame.

But no matter how good the financial expert is, the entire implementation of your credit debt management rests on you. As long as you discipline yourself and act proactively, relief from debt will come, no doubt about it. GP

Home Contact Us Sitemap Terms Privacy