Debt Management Center

Help With Debts
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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.

Getting Help with Your Debts 

Who needs help with debts? In the UK, it can be overwhelming to know how much the average household spends in a year, let alone the total debts that consumers in the country have already accumulated. Debts in UK have become increasingly large, such that it has ballooned to over £1.4 trillion in the year 2008. Statistics claim that this was brought about by massive credit card bills, home mortgage loans, car loans, and many more. Each adult in the country is estimated to have debts that amount to £30,000.

In a recent Credit Card Summit held by the UK Business Secretary in November of 2008, the largest credit card companies have offered to be more lenient with their debtors, allowing them a certain period of time to consult with a financial advisor regarding payment options. There are many people in the UK who badly need help with debts, because they have accumulated thousands from their credit card dues, such that their credit ratings have suffered badly in the process.

Poor credit ratings make it difficult for an individual to be approved for certain financial applications, such as home mortgage loans, credit card renewals, insurance policies, and also auto loans. If one has a bad credit score, it means he or she does not have the capacity to pay on time. Credit scores are an aspect in financial health that should be maintained at all times, which is why debt management should be an immediate priority before balances can get any bigger.

For those who are holding more than one active credit card, it is advised that they cancel the others and stick to only one. To be able to cancel the other credit cards means to pay off all existing balances. In this regard, credit card debt consolidation is one of the most selected methods to get out of debt and wipe out any outstanding card balances.

Credit card debt consolidation entails amassing all the credit card debts of a borrower, so that a huge loan amount can be obtained in payment for all bills. The borrower now has to pay every month to his debt consolidator, which is more convenient compared to juggling several credit cards with different interest rates to boot.

To get more ideas and help with debts , a brilliant move would be to search online for additional resources. You can find contacts of debts advisors and financial consultants who can guide you on your way to a life that is debt-free and worry-free. GP

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