Eliminate Debt

Home

How it Works

FAQs

Contact Us

Reduce your debts quickly
Protect your family
No more embarassing phone calls
Protection from your creditors
No more threatening letters

First Name:*

Last Name:*

Post Code:*

Home Phone:*

Mobile/Work Phone:*

Email Address:*

Best Time To Contact:*

Monthly Net Income:*

Monthly Expenses:*

Nature of Income:*

Residency Status:*

Number of Debts:*

Total Amount Owed:*
(excluding mortgages and/or secured loans)

Fill out our no obligation form today
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.

Lifestyle Changes can Free You from Debt

Do you know that a few changes in your lifestyle can get rid of your financial problems for good? It’s amazing how you can eliminate debt by simply controlling your impulse expenses. In fact, it’s important to be prepared today when times are still good, rather than go through the unnecessary financial strains and stresses in the future.

Pay off Debts Quickly

If you have credit card debt and loans already, you’ve got to establish a plan in order to pay it all off. Maybe you can start working overtime or selling things to earn extra cash.

Don’t be afraid to pay off your loans early. Consumer Credit Act of 1974 has given loan borrowers the right to settle their loans early (without any penalty) if they have debts of £25,000 or less.

The most important decision that you need to make is what kind of debt resolution strategy you will apply. For example if you have more than £50,000 worth of debt, maybe a debt management plan is not enough, and personal bankruptcy or IVA (Individual Voluntary Arrangement) would be more suitable for you to successfully eliminate debt.

It may come to you as a surprise, but there are some unlawful loan agreements that could be written off by the court. Some adverse credit card debts or mortgages might also be challenged. So try to check and see if your loan agreement is unlawful before you settle your debts.

Reduce Spending

Most people find it easier to reduce extra spending rather than to make more money. Since majority spend a lot on unnecessary things, simple changes in your buying habits can make a dramatic impact if applied to your overall debt reduction.

1. Buy rail tickets by phone on the last minute. Many of these tickets are already given at a substantial discount.
2. Buy clothes during the opposite season. This means buying winter clothes during summer and buying summer clothes during winter.
3. Cook lunch at home and bring it to work rather than eat in restaurants or cafes.
4. Always look for bargain price deals in supermarkets to save money.
5. Ultimately, think very carefully before you part with your cash. Do you really need to purchase that item? Wait for 24 hours before you finally make a decision to avoid impulse buying.

When you employ these strategies and make more of your own, you can certainly eliminate debt problems fast. It will be worth it because there’s no better way to live than to be debt-free. GP

Home Contact Us Sitemap Terms Privacy