Debt Help Advice

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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.

Do You Need Debt Help Advice?

There are millions of people in the UK who constantly seek out the best debt help advice they could get. Just to give you an idea of the severity of the debt situation in the country, the average debt of every adult in the UK reaches about £30,000. Sum them all up, and the national consumer debt figures are estimated to be £1.4 trillion. Through this, it can easily be surmised how much trouble it can be to manage one’s finances, let alone to pay off a debt being owed.

There are many causes of the huge debt by consumers in the UK, among them being home mortgage loans, car loans, utility bills, and most especially credit card bills. Many institutions in the country today offer consultancies and options to help reduce these ever growing debt problems. If you need some debt help advice, mentioned below are a few tips you can follow:

1. Do not use more than one credit card at a time. If you can pay off your other cards, do so, then cancel them off when you are done.
2. Plan a monthly budget that you can stick to religiously. Keep in mind your combined monthly earnings in the household and other financial obligations.
3. Open a savings account where you can set aside some amount. In case of emergencies or immediate debts to be paid, you can tap into this resource.
4. Try the debt consolidation option, if you have several debts, loans, or bills that you must pay as soon as possible.

So what is debt consolidation? As the name implies, this means that you will put together or amass all your existing debts, and apply for a bigger loan that can pay them all off. There are financial institutions and private lenders that offer this service, making it easier for people to erase their debts and manage their money in a more sensible manner. Debt consolidation helps a borrower by providing him only one payment per month, and at a fixed interest rate, compared to what he has to deal with prior to the consolidation.

There are many places online where you can get debt help advice in the UK. Most of these sites provide comprehensive information on the application process and the requirements. This will help you prepare and determine the best way for dealing with your dues. You can also learn more about your options for paying off your debts when you call or visit a financial consultant. GP

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