Debt Management Consolidation

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Reduce your debts quickly
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No more embarassing phone calls
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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.

Well-managed Credit Cards Avoid Debt

Debt management consolidation is a tool that will help you repay all your accumulated credit card bills easily. Professional consultants and counselors will also help you to avoid further debt.

These debts usually arise when you spend money that you have not earned yet. There should really be no problem with this if you will be able to pay everything when the due dates of the bills come. But when everything is piling up so fast, you could wake up one day and find yourself buried in deep debt.

The objective of a credit card is to extend your cash for a few more weeks before you pay for the things you have bought. Proper use would be to pay the entire bill when it arrives, and to pay it on time as well. However, the issues appear when the water bills, electricity, grocery bills, shopping, and all the other expenses charged to your credit card is already due, but you have used your money to pay for something else.

Control the Spending

Debt management consolidation is all about controlling and managing your daily spending. With the help of a single loan, all your existing debts will have a single amount and a single due date for payment. The benefits to you are convenience and low interest rates.

Aside from debt consolidation, you can also use these steps to prevent going into debt again:

1. Plan a weekly or monthly budget and spend it wisely.
2. As much as possible, use cash in all your purchases.
3. Otherwise, use your debit cards instead of credit cards.
4. Avoid too many credit cards so that it will not give you too much hassle in repaying, as well as increase your temptation of overspending.

Debt Management Services

You can seek the services of a debt management company for debt consolidation, credit counseling, budget planning, financial position analysis, and all other kinds of debt management programs. These companies employ professionals who attempts to negotiate with your creditors to waive late payment fees and other charges. Their success will save you a lot of money, and makes your repayment affordable every month.

You can apply for debt management consolidation online for utmost convenience. Just fill out an application form stating your name, address, amount of debt, and other relevant details about your credit card.

After processing and approval, you can sit back, relax, and leave all the communication and negotiation to the company. Bear in mind that as long you carefully manage your credit cards, you will never have a problem with debt. GP

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