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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.

Get Debt Solutions to Suit your Specific Need

When you are burdened with so many debts and you don’t know how you could finish paying them off, you need to know that there are some debt solutions that could help you.

Because personal debt is on the rise, more and more people are searching for ways on how to wipe off their debt. However, they are sometimes ignorant on the ways on how they can do it.

Most people are not aware that even if they keep on paying the minimum loan amount required for their loans or credit cards, they can never wipe the balance out. And even if they don’t borrow any more money in the next few years, they will still be in debt because of the monthly interest rates charged to their cards.

Debt Consolidation

If you have multiple debts, high interest rates, and confused schedule because of the different payment amounts and due dates of your bills, then you need debt consolidation. It has helped numerous people get out of debt.

Consolidating your debts mean reduced payments, lower interest rates, and paying for only one amount with one due date to remember. But because this option would involve securing a new loan to pay off all your existing ones, it is best to speak with a debt advisor to make sure that this is for you.

Among the debt solutions, this option is the most popular. But new plans and programs have been developed in the past few years to help people relieve debt more easily.

Debt Management

One of the new trends in clearing your debt today is called debt management. It involves talking with your creditors and discussing alternative solutions for you to settle all your outstanding balances.

Professional debt counselors act as your representatives to request your creditors to lower your monthly payment as well as the entire balance of your loan. Your creditors will most likely agree to this proposal. They know that if you declare bankruptcy, they will recover only a small portion of their money (if they recover anything at all).

However, do not decide based on the advice that you hear on television or radio talk shows, newspapers, or tabloids. This information may be too general for you.

The best method to work on your debt is to approach experts who can give you professional advice on how you can implement a debt management program into your life. When you talk to these experts, they can educate you on more debt solutions that can be customized to your specific need. GP

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