What is debt management?
A debt management programme is a new repayment plan that's specially designed to reduce your monthly debt payments and get you out of debt as fast as you can realistically afford.
- We'll talk to your lenders on your behalf, asking them to accept lower payments
- We'll handle all letters and phone calls from your lenders
- All you do is make one monthly payment, and leave the rest to us
What are the benefits?
- Get out of debt at a pace you can afford
- Pay off multiple debt payments with one monthly payment
- Freeze or reduce interest and charges
- Stop demands from - and contact with - your creditors
- Take control of your debts without a loan
- Get a clear, affordable path out of debt
Plus, you'll get all the financial help you need, right up to the day your debts are gone. Whenever you call us, you'll talk to your own Personal Finance Manager, who's there to answer your questions and tackle any issues that come up.
Read more about Debt Management
Is a debt management plan right for me?
- Do you need to cut the cost of your monthly payments?
- Do you want someone to deal with your debts - and your lenders - for you?
- Do you want to clear your debts without a loan?
If so, debt management could be the perfect solution to your debt problems. Call freephone 0800 195 2911 to find out more.
How does it work?
- Tell us what you can afford to pay your lenders each month
- We'll ask them to accept lower payments
- We'll ask them to freeze interest, so you're paying off the debt itself - not the interest
- We'll deal with all correspondence with your lenders
- You just make one affordable monthly payment to us, and we'll handle the rest
How much will I pay?
It depends on what you can afford.
Tell us what you earn, what you owe and what you need to live on, so we can work out what you can realistically pay towards your debts each month.
As long as your creditors see your payments are reasonable - and we'll deal with all the negotiations for you - there's an excellent chance they'll accept lower payments.
No-one can guarantee they'll accept lower payments, or agree to stop interest and charges, but...
- We've spent 15 years working with the credit industry
- We enjoy excellent relationships with all major UK creditors
- We're one of the largest debt management companies in the UK
- Over 50,000 people are already clearing their debts with us
Plus, we charge less than any of the other major fee-charging debt management companies.
In other words, we're in a position to negotiate on your behalf and get a result that you can afford - and that your lenders can agree to.
When will I be debt-free?
It depends on how much you can afford to repay towards your debts. Just remember:
- If lenders agree to freeze or reduce interest and waive charges, this can slash the time it takes you to clear your debts.
- We'll make sure you don't commit yourself to an unrealistic repayment plan.
- Feeling under pressure to agree to repayments you can't afford will only set you back if you can't keep them up over time.
Get free debt management adviceIf you would like more information, talk to our team today.
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