Debt Management Plan

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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.

Complete Debt Solution is Within Your Reach

As more and more UK residents are falling into the debt trap, the people are continuously seeking for ways on how to get out of their current predicament. They know that when they are surrounded with too many debts, they will be in trouble.

Often, taking debts is so easy, but when the time comes for you to repay it, the problem comes. But sooner or later, you need to settle these debts once and for all. This is where you need help from a debt management plan.

These plans are prepared and implemented by debt management agencies you need to hire. When the plan has been specifically prepared for you through proper steps and measure, then managing your debt repayments will be easier. Now all you need is a lot of discipline and determination to pull it through.

How does it work?

Here are the steps on how to make it work:

1. Your financial situation will be accessed and analyzed. Experts will ask you details about your regular income, average expenditure, creditors you owe money from, etc.
2. The debt management agency will prepare a financial statement to present a better understanding on the amount that you can pay to each of your creditors.
3. These professionals will approach your lenders and will negotiate for a repayment plan reducing the amount, interest rates, and even terms of the repayment.
4. Then, you need to make a single payment every month, which will be distributed to all your creditors and applied to your debts.
5. You should request for a case officer to be assigned to you while the plan is being rolled out. This person should be available to speak to you regularly to answer your inquiries or concerns.
6. Debt management agencies will also review your plan on a regular basis. They need to make sure that the plan is still working effectively.
7. Your debt management plan should continue to serve you until all your debts are wiped out.

What should you do?

On your part, you should provide accurate information to your debt management agency. If they are working with incomplete or false information, it could lead you further into debt.

In addition, you should avoid building up more debt in the form of overdrafts and credit card bills. Experts highly recommend that you refrain from using your credit cards until all your debts have been cleared.

To make it convenient for you, just go online and search for the best debt management plan that’s right for you. Truly, complete debt solution is now within your reach. GP

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