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

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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.

There is a Secret to Be Debt-Free

Do you know that debt management companies can help you become debt free?

The truth is that, debt has different meaning to different people. Whilst some people are losing sleep over a £25 bank charge, others are happily juggling mortgage payments, store cards, credit cards, and other personal loans that add up to thousands of pounds every month.

But in spite of these different circumstances and personalities, remember that every problem has a corresponding solution. And for huge debt, the secret formula involves reducing your debt professionally and finding someone to represent you in dealing with your creditors.

Debt Payment Reduction

Do you know that you can reduce more than 60% of your total debt balances?

Through debt management, you can reduce your monthly payments even without borrowing any additional money. This alone could save you thousands in settling your debt.

Since your creditors are also avoiding tedious and lengthy court procedures like you, they would favor a debt management negotiation. What they would require from you is a detailed income and expense schedule. You have to show how much money you have left after all the expenditures have been deducted. This would be the basis for them to know how much you can pay every month.

In addition, there will also be a request to freeze interest charge and fees. Sure, you can say that it will be very easy for you to arrange a debt management plan all by yourself. However, credit card companies and banks would often respond positively if there are debt management companies that are negotiating on behalf of the debtor.

Instant Representation

Do you know that you don’t have to deal with your creditors directly?

Negotiating with your creditors would oftentimes bring up a lot of emotions on your part if you are left to do it alone. When you take harassing phone calls and receive rude letters, these would cloud your judgment and reduce the effectiveness of trying to make a fair deal.

Another thing is that, you will not be able to leverage the experience and expertise of financial experts if you insist on doing it yourself. Definitely, you don’t want to take the risk of negotiation failure. This will surely take you on the road to bankruptcy fast.

If you hire a financial expert, he/she can instantly represent you in all your dealings with your creditors. There are a lot of debt management companies in the market today. With the numerous debt counselors that are either employed or affiliated with them, they can help you to ultimately lead a debt-free life. GP

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