Debt Consolidation Help

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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.

Debt Consolidation: Your Key to Being Debt-Free

Debt consolidation help is something that consumers in the UK should look into, taking into consideration the consumer debts in the country amounting to £1.4 trillion and still growing. What are the things that cause the average UK consumer to fall into the debt rut? Here are some worth mentioning: overspending, credit card bills, home loans, auto loans, utilities, and lack of budgeting. Add to that denominator the inability to pay on time, thus allowing the balance to increase because of the interest.

A lot of people are in need of debt consolidation help, but not all are familiar with it and its benefits. For starters, these solutions for debt will help you keep a good credit rating. This credit score, as it is sometimes called, helps various offices determine your financial status, and your ability to pay, especially if you are to take out a loan or apply for insurance.

Debt consolidation is one of the most recommended options for people who have big balances from different companies, like credit cards for instance. Debt consolidation is a form of loan that you apply for in the UK if you have several unmanaged bills that you want to pay off completely. You may think of this as getting a huge loan to pay off several other small debts or loans that you currently have. There are different qualifications before you can be eligible for debt consolidation. In the long run, this is better than having to pay to different credit card offices every month. You just have to pay your monthly dues with your debt consolidator, and at the same time, you are dealing with only one fixed interest rate. People who have been granted this option are now able to get back on track with their finances, and even keep their credit ratings satisfactory.

The reminder here is, if you get approved for debt consolidation, be sure that you will pay your monthly dues on time. This time, ensure that you budget your money and spend wisely. Also, cancel the credit cards once you have paid them off, thus avoiding spending on them again.

If you need a little more information about debt consolidation help , you can browse the many sites online that focus on consumer debt options in the UK. You can also talk with a financial consultant or loan adviser about your best options if you want to erase your debt and restore your credit rating. Remember, all these can be possible with the right mind set and the commitment to be financially healthy. GP

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