Debt Management Loans

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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.

Have a Peaceful Mind and a Joyful Heart without Debts

Debt management loans were designed to solve the problems created by multiple debts. All you need to do is take out a loan large enough to pay all your existing debts. Then, once you settled them all, you will just conveniently pay for one amount and remember one due date every month.

It’s always a daunting task to manage different kinds of debts with various repayment amounts and due dates. But with a single loan, you will have no problem coming up with the money for the monthly installment, as well as remembering the deadline of your payment.

With an affordable single payment, you can breathe a sigh of relief as you start to clear out all your debts in a single sweep. In fact, debt managers even prescribe this as a sort of therapy for stressed-out debtors.

Secured Loan

There are two kinds of loans that you can avail of. You can get either a secured or unsecured loan. When you get a secured loan, you need to pledge collateral to assure the lender that you will repay the loan. And because of this collateral, they can be more lenient with their loan parameters.

In fact, you can easily fetch a £75,000 loan payable in 5-25 years. Aside from a lower interest rate, you can also design the payment based on your capacity to pay.

And you must really pay, because if not, your home or property can easily be foreclosed. On the other hand, paying your loan soundly will further enhance your financial credentials.

When people avail of debt management loans, they must be aware that they have choices. They can request information from professional counselors, but at the end of the day, they will be the one to decide what conditions are appropriate for them.

Debt Consolidation

If you preferred to take on a debt consolidation loan as your debt settlement option, professional counselors may also speak with your creditors on your behalf. They can request to lower the interest rates, or even waive some of your outstanding balance. This would definitely yield some savings for you.

Almost all creditors will agree to cooperate in a debt consolidation loan. They would rather get a portion of the loan rather than none at all.

In addition, you can also shield yourself from irritating calls of debt collectors as long as you pay the monthly amortization. So aside from saving some money, you can also be guaranteed of a peaceful mind and a joyful heart when you consider debt management loans . GP

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