Debt Help Online – 0800 018 6868

We offer anyone struggling with personal debt a financial health check to ascertain what the issue at the heart of the financial problem is and we offer confidential and concise advice to enable you to make informed choices about your financial future.

We have all been hearing in the press and media about how bad the Great British debt situation has become and that people in the UK have taken on more and more credit over recent years resulting in the increased need for national national debt help.

If we were to listen to all the hype about personal debt, we would believe that every single person in the UK has debt coming out of their ears.

• This is of course, exactly that … just hype!

We all understand though, that there are people who do struggle with their debts, whilst the vast majority of people manage their debts perfectly adequately and that those who struggle often find themselves in this predicament through no fault of their own. We focus on help with debt that allows people to manage their debts in the best way possible with options such as debt management plans.

• What is debt management all about?

Debt management UK  is a way of dealing with debt by making agreed payments to creditors and reducing interest and charges where possible to enable the steady reduction and eventual clearing of debt. There is no guarantee that interest and charges can be frozen whilst utilising a debt management plan. Sometimes personal debt management can be as simple as merely re-organising how you run your finances but could mean using an (Individual Voluntary Arrangement) IVA or debt consolidation loan.

• What is an Individual Voluntary Arrangement or IVA

An Individual Voluntary Arrangement or IVA is a formal agreement between you and your creditors over a fixed period of time (usually 60 months / 5 years) to enable you to pay a fixed and agreed amount to your creditors after which you will usually be clear of debt.

An IVA is a legally binding contract and should not be entered into lightly.

• What is a Debt Consolidation Loan?

A debt consolidation loan is normally an unsecured loan taken out to pay off all existing debts. All your other loans and credit are added together and the new loan covers them all and hopefully gives you a smaller monthly repayment to make enabling you to manage your finances better.

A Debt Consolidation Loan is not always the best solution and we will gladly advise you whether this would suit you and your circumstances.

• If you are paying for debt help or debt advice then you shouldn’t be.
• If you are having to call high rate phone lines to get the information you need, you can get that information for free.
• We do not charge people for any initial help or advice but our ongoing services are chargeable.

Other people who have used our debt management services have been impressed with how we focus on our clients and not just their creditors, personal debt should be something we can control not something that controls us.

• Mrs Rigg of London said;

I called for debt help and my debt advisor explained everything. No forms to fill out and your staff were very friendly. You obviously understand how to help people in debt. I am clear of debt now after making one monthly repayment for 2 years. You did what you said!

• Read more testimonials from previous clients we’ve helped with their debts
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For help with your personal debts please call us free from a land line using 0800 018 6868