Eliminate Credit Card Debt

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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.

It’s Possible to Eliminate your Credit Card Debt

There are thousands of people in UK that owe thousands of pounds. Majority of these debts originate from credit cards. And right now, many of them are looking everywhere for options to eliminate credit card debt.

To do this, you must understand your current situation first. This would mean gathering all your credit card statements to come up with your total outstanding debt balance.

Most people will naturally avoid this part because the sum might be really scary. However, if you are really serious about debt relief, you should know exactly the total debt figure you should settle.

Review your Options

Then, once you know how much you owe, you need to review your options and find out the debt solution that’s right for you. Solutions could either be in the form of debt negotiation, debt consolidation, and bankruptcy. The most appropriate one for you would depend on the total amount of debt you owe, as well as the status of your current finances.

If you can still afford to make decent monthly payments, then you can go for a debt consolidation loan. This kind of loan may reduce your monthly payments and interest rates so that you can slowly eliminate credit card debt.

However, if your credit rating already has some bruises, you would probably qualify for debt negotiation. In this option, you could hire a debt management company to help you negotiate with your creditors in writing off some of your debt.

If these two options are not possible for you, maybe bankruptcy is your only hope. Nobody wants to be bankrupt, but if you can’t afford any monthly repayment and negotiation has not worked out, it could be your only hope.

Follow a Plan

Once you have determined the option you will take, it’s time for you to create and implement a plan of action. With debt consolidation, you must decide on the amount of money you can pay to your creditors every month.

Whilst in debt negotiation, you should come up with the amount of settlement you can offer. Bankruptcy on the other hand, would need the services of a lawyer to be successful.

The most important thing is to stop procrastinating and take action right away. For debt negotiation and bankruptcy, all you need to do is to execute the proper steps in your plan and you can start your financial life all over again.

However, debt consolidation would need a little bit more of self-discipline and willpower. You must sacrifice your high lifestyle a little bit in order to eliminate credit card debt and live a great life. GP

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