Debt Management Help

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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.

Why Do You Need Debt Management?

All over the United Kingdom, consumers are buzzing about where to get the best debt management help possible. One can only imagine the huge sum owed by all the residents of the UK combined. According to consumer reports and statistics, the average debt of adults in the country is £30,000. If you will look at it on a larger scale, you will find out that £1.4 trillion is the total consumer debt of people in the UK.

What causes people in the UK to have such a huge debt? Aside from the various expenses that need to be taken care of for basic necessities, some of the reasons are: auto loans, mortgages, and also credit card bills. Because of these existing debt problems, many banks, private lenders, and financial institutions in the UK have come up with modes to help reduce debt for many individuals. Here is a bit of some basic debt management help tips that may help you:

4. Try not to spend on more than one credit card at a time. You need at the most one, as many would say. If it is possible to pay the other cards off and bring the balance to zero, then you should do so. After this, cancel the other cards and keep only one.

5. Come up with your monthly budget based on your combined household earnings. Try to stick to this religiously so that you won’t get behind when paying for bills, utilities, and other expenses.

6. Try to open a bank account that will be used solely for savings. If there is a debt that needs to be settled as soon as possible, or if there is another financial emergency, you are sure to have something set aside.

7. Look into debt consolidation solutions to help reduce your debt. This is a recommendation for people who are juggling several bills and statements at a time.

Debt consolidation combines all your bills and balances so that you can get a loan to pay them off and wipe them clean. You end up paying only one amount to your debt consolidator, and you only have to deal with one fixed interest rate throughout the term of your loan.

Thanks to the internet, debt management help can easily be obtained online. You can view several websites that teach you how to apply for these types of loans, and what qualifications you need to fulfil. If you want to do research beyond the internet, you can also consult with a financial advisor or talk to a private lending firm in the UK about your available options for living debt-free. GP

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