Debt Management Plans

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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.

Live a Simple Life: Maintain A Single Debt Today

Do you want all your overdrafts, store cards, credit cards, and loans to turn into a single affordable monthly payment? Do you think that when this happens, you can already pay off your mounting debt and continue to live a normal life?

This is all possible with debt management plans. If you seek the help of professionals in this field, they can help you merge all your debt into a single and manageable monthly payment. Your creditors might even agree to stop your charges and interests to clear your debt.

Struggling With Finances

If you are struggling with your finances, this plan is a viable solution that can help you. In fact, the UK government is encouraging their people to communicate with lenders at the first sign that they can’t keep up with their payments and they feel that their situation can get out of control. It is also encouraged that people evaluate their financial situation regularly (at least every quarter or every month) to have a firm grip on their finances.

According to research, only 20% of Britons plan their finances every six months. This further emphasized the need for debt management plans.

The Ideal Solution

Over 40,000 people benefit from debt management services every year. So you have to make sure that you are dealing with a credible debt management company that can help you achieve the same.

If you have already missed a few payments here and there, your credit rating has surely been affected. If this is your case, you can avail of consolidation loans to manage your debt. And when you make continuous monthly payments, you might be able to improve your rating a little bit more as time goes on.

You can target the different types of debt that you have – catalogue debts, overdrafts, credit cards, and personal loans. It is a given that you would still pay other types of secured loans (such as mortgage) on top of this plan.

There is really no risk involved, as there is no charge or fee if ever you decide to leave the program. Some companies will just request you to inform them two weeks before you do so. This will give them time to facilitate a smooth transition and turn over back to you.

Truly, debt management plans can be created if you want to reduce your interest rates, stop harassing demands from your creditors, and eventually wipe out your debt. And you can do that by maintaining only one affordable debt payment every month whilst living a simple and peaceful life. GP

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