Debt Management

Debt can get you down and sometimes you can feel isolated not knowing which way to turn.  Many people don’t feel equipped to negotiate for themselves or they’re too busy, stressed, emotional or depressed to deal with creditors.  That’s where we can step in on your behalf.

Debt Management can offer practical, concise solutions to your unsecured financial problems.  Experienced staff can review your circumstances and offer a remedy to your problems.
We will negotiate with your creditors to reduce your monthly payments.  While your creditors are not obliged to accept reduced payments or freeze interest, negotiation can help balance your available money between essential bills and your credit commitments.  We will assess your financial situation, make suitable allowances for you to be able to afford your priority debts and your day to day living costs before we calculate how much you can afford towards other creditors.
You will pay a single, lower monthly payment to replace all of your existing repayments.  You receive a statement every month confirming your creditors have been paid.

Benefits of Debt Management

• Affordable monthly payments
• No need for another loan to cover all your debts
• Relieve you of the stress of dealing with lots of different creditors.
  You pay one monthly payment which is distributed for you to
  your creditors.
• Lower payments.  Whilst in a Debt Management Plan creditors
  will normally reduce or even freeze interest.
• Become debt free, in some cases have a proportion of your
  debt written off.