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Debt Management / Debt Settlement

   •  You are not borrowing yourself out of debt.
   •  You are not securing any agreements against your property.
   •  You are not stopping yourself from ever applying for credit again.
   •  You can still get a mortgage on a Debt Management Plan.
   •  One affordable monthly payment.

You will eliminate the stress of dealing directly with your creditors.

Benefits of debt management

Debt management or debt settlement is an informal arrangement so you are not tied into a contract at any point you can cancel the plan and take over your own debts with no penalty costs.
All your letters and telephone calls will be dealt with for you by a customer care department open at your disposal from 9-8 Monday to Friday and 10-4 on a Saturday so if the creditors are open and calling then there will always be somebody available to deal with any of your problems.
All your administration is dealt with by our customer care department. Your payments will be distributed for you. All you have to concentrate on is one affordable monthly payment.

Your creditors may issue you with a default which will enable the creditors to accept a reduced payment against your account but it will also enable us to request that your interest rate is frozen or reduced and request that charges are stopped against your account.

Although your creditors are not always happy to deal with a management company it is beneficial for them to receive regular contributions to your debts. The payments sent to your creditors by law have to be banked against your accounts.

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What you will need to do

You will need to go through an income and expenditure i.e. financial statement with an advisor. They will let you know what you can and cannot spend money on. This will produce your d.i. (Disposable income). It is important to list everything even if you think it would not count invariably it will.

We will need a list of all your creditors. It is important not to miss any creditors out, as this would affect your financial statement making you unable to afford your d.i. (disposable income) or a decent standard of living for you or your family.

We would also at a later stage need account numbers of your creditors so your payments can be sent on your behalf and allocated against the correct account. Apply online NOW

Call us to see if you qualify 0870 839 701

You are not having your debts paid off in full as this would be a loan creating a larger debt.

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» Debt Management

» IVA’s (UK residents only)

» Trust Deeds (Scotland residents only)

» Loans

To discuss your debt situation and your requirements in absolute confidence,

call us today: 0161 244 5649