Freedom Debt Management

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Reduce your debts quickly
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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.

Start a New Life: Be Free from Debt

In UK, finding a new debt management program might be tedious. However, there are various companies that are willing to work with you little by little, until you’re out of debt. You should seek out these companies and make sure that they are legal and credible.

But before you find these companies, you need to spend time in considering your obligations and financial goals. In addition, you need to modify your lifestyle a little bit. Try to spend below your means as much as possible. However, if you really want, freedom debt management is the answer to your prayers.

No Easy Fix

Succeeding in a debt management program is not an easy task. But it can be done if you apply good discipline and delayed gratification such as:

1. Living within your budget – this will make sure that you will have available money to pay for your monthly repayment. If you are not aware how much you earn and how much you spend, you will not take control of your finances.
2. Avoiding credit use – for the meantime, you cannot use the credit lines that are included in the debt management program. This will ensure that you will not fall further into debt.

The downside to this program is a slight drop in your credit score. Well, this is naturally expected because of your failure to fulfill your repayments on the personal loans and credit cards you took.

True, there is no easy fix to financial freedom. Debt management may be, in fact, your only hope to make your long-term goals come true.

Long Term Freedom

So instead of focusing on the short-term effects of instant gratification, you need to look at what a good future will do for you. These are some examples:

1. No confusion and juggling of multiple debt, which means there will be no more late payment fees, interest fees, or over-limit fees. Indeed, managing a single loan and making monthly payments would be very easy.
2. You can save more money once you have stopped paying for your monthly repayments.
3. Improved future credit potential. Although it will take quite some time for you to build, it can surely happen as long as you keep your good financial management habits in place.

Although there are a handful of considerations you need to think and do before you take on this program, it will be well worth it. The first months might be truly difficult, but with long-term benefits such as financial freedom, debt management is truly worth a try. GP

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