· We can help reduce your debts by up to 70%
· We can negotiate to lower your repayments on your behalf
· All information will be held strictly confidential
· Find out how much you could save yourself our advice is free
· Please note by reducing your monthly payment there may be an increase in the sum or term of the debt.

Debt Management is an informal process of negotiation with unsecured creditors to obtain a reduction in the repayment amount and / or a reduction in interest charges. The negotiation involves providing proof to the creditor that the individual is unable to meet all their contractual liabilities.

· You Will Not Be Charged For An Enquiry.
· You Are Under No Obligation Whatsoever.
· All your details will be held strictly confidential.

We will find a comfortable payment for you, giving you just one cheque to write each month. Once we receive your payment, we request that your creditors freeze or reduce their interest charges and therefore agree to a new and often lower monthly payment. Where interest charges are frozen, the money we pay to your credit companies is taken off the debt rather than being used to pay interest charges. Due to already having missed payments on your account and the time required lowering, arranging and distributing payments to creditors and delays in making the first payment into the programme from the clients, contractual payments maybe missed which may lead to an increase in the sum owed or the term the debt has left to run.

How do I know my debts are being paid ?
We will apportion any payments received from you for distribution between your creditors based on how much each is owed. We will issue a statement showing how much each creditor will receive. This remains fixed unless your circumstances change. We will also issue a quarterly statement showing all transactions on your account. In addition to this, you will still receive your statements from your creditors.

Will this affect my credit rating ?
When entering into a debt management agreement, you will be breaking the terms of your initial repayment agreement with your lender. This may have an adverse effect on your credit record and may be recorded on your credit record for 6 years. Due to time required arranging and distributing payments to creditors and delays in making first payment into the programme from clients, contractual payments to creditors may be missed.