You have taken the first step in being debt free...

The most convenient, flexible and common debt help programme is a debt management programme.

“Once I had passed on all the information about my debt, I did not hear from any of the credit card companies again, not even any more letters” Mr P, Wigan

How Debt Management Works - We provide a completely free debt advice service. We charge no fees for advice.

Arranging a Debt Management Plan:

1.      An assessment of your financial situation is carried out. To carry this out professionally, we need to know your regular income and expenditure, who you owe money to and any other information about your personal circumstances, but not why you are in debt.

2.      By collecting together all these figures, we can determine how much you can realistically afford to offer each of your creditors (who you owe money to).

3.      Your creditors will then be approached by us, (you do need to deal with them any more) and asked to accept the reduced payments. In most cases creditors agree to the payment plans we offer due to the ethical way they know we operate, and they are realistic.

4.      You then make a one monthly payment, all of which is distributed to your creditors. Throughout the duration of your management programme, you will have your own debt adviser and manager you can contact should you experience any difficulties at any time.

5.      Your plan will be reviewed to make sure that it still meets your circumstances.

6.      The plan will continue until your debts are cleared or until you wish to voluntarily end the arrangement. Most common reason for this being an improvement in income enabling a client to leave the plan and revert to their original monthly payments.

A Debt Management Plan is an arrangement between you and your creditors to enable you to repay your debts with a regular payment you can afford. Debt Management Plans are not legally binding.

One single affordable monthly payment – This is paid when it is most convenient for YOU. It is most common to arrange the payment shortly after you get paid. You pay only one payment, and WE distribute the money to all your creditors.

There are may reasons for getting into debt -  You may not have been careless with you money, you may of simply had a change of situation at work, or in your personal circumstances such as divorce or separation. People try to maintain all their monthly payments even after their circumstances change. This causes charges with your bank and increased debt levels. You not on your own. We deal with people in different circumstances every day and can help everybody with their debts.

Once you become aware you need to get back in control of your finances and stop letters and phone calls from banks and credit card companies every day, simply call us. We advise on your personal circumstances and each arrangement is made with your interest as the number 1 priority. If you decide to use our Debt Management Plan you will not need to borrow any more money and we can in most cased freeze the interest immediately. You will then only need to pay one payment each month or week, depending on your preference by your preferred means. You are then on the road to pay of your debts in the fastest possible time and only paying what you can afford after you have bought your monthly necessities like food and petrol. If you would like a free consultation with our debt professionals, please simply complete the ENQUIRY FORM and we can either post you a full pack you look through in your own time, or we can call you at a time to suite you. We open our office from 7am – 10 pm Monday to Saturday.

The Benefits enjoyed by our clients are

• Personal Professional Friendly Staff

...we will assist you get what you want out of you road to debt freedom. Some of our advisers have been in a compromising debt situation themselves so can offer a real honest advice about the best options available to you.

• The best chance of freezing interest and charges

...we cannot guarantee to freeze interest and charges, however we have established strong relationships with financial organisations throughout the UK. We operate an ethical service and they are aware of the needs of people in debt.

•  We have a specialised Bank Charge Division

...we can also claim back all eligible bank charges banks have taken from you over the past years. This can be claimed as a cheque, or offset as a payment towards your debts. This in some cased can be thousands of pounds. We recently agreed a £7000 payback to a client from Merseyside.