Debt Consolidation & Management

A Debt Consolidation plan is the best alternative to a traditional high interest debt consolidation loan. With a debt consolidation loan you get a large enough loan to consolidate all of your existing debts and pay it back over a much longer period. You are still paying interest on that loan, usually at a relatively high interest rate and the amount you will end up paying back is usually much more than what you borrowed to consolidate your debts. A debt consolidation loan usually just swaps one debt for another - a Debt Consolidation & Management Plan is different.

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The Aim

The aim for Debt Consolidation & Management is to clear your current debts, lower your monthly outgoings and re-establish your credit rating. To achieve this we will liaise with your creditors on your behalf and manage your debt repayments. While this may ultimately lead to repaying over a longer period, we aim to minimize any increase in the size of the sum to be repaid by negotiating for reduced or frozen interest. You make one affordable monthly payment to us, which could be upto 80% less than what you are currently paying and we distribute this on a fair and equitable basis to all your creditors regularly every month.

Interest Free?

With a Debt Consolidation & Management plan we can arrange a single lower affordable monthly payment to cover all of your debts without the need for a debt consolidation loan. Although creditors are not obliged to accept reduced payments or freeze interest, we will negotiate with them to accept lower payments and have the interest on your debts frozen or reduced. Where successful this means that as you are paying off your debts the ongoing interest charged will be at a lower rate or even reduced to zero.

Peace of mind

We know how stressful being in debt can be and why debt consolidation is the prime option. To help ease the pressure of being in debt and having to deal with all of your creditors letters and demands - we take that burden from you and we will deal with all of your creditors ourselves. We will take care of any creditor demands, bills, letters and general correspondence - which leaves you with peace of mind, and ease your money worries.

Call us today and let us help you get debt free.