Debt management program Our debt management help and advice on debt generally, will assist you in resolving your current financial problems in the simplest and quickest way possible. We provide comprehensive help with debts, whether you are an individual or a company. A debt management program is a very good way to reduce your monthly outgoings to an affordable level, thereby giving you the breathing space to get back on your feet again. We liaise between you and your credit companies and reduce all your monthly payments into one single affordable monthly payment. Once this has been done, you as our client will pay your new lower payment via one monthly standing order, on a date that suits your monthly outgoings, instead of all the many individual payments you currently may make to your creditors, simplifying the whole process for you. Firstly, if you decide to start a debt management program, we ask you to provide us with information on your credit commitments, income and expenditure. Our experienced team of advisors will then calculate a monthly payment you can afford. In most cases, while it may take longer to repay your debt and the amount you owe may increase, we can obtain significant reductions in your monthly payments, giving you a chance to get back on your feet. This debt management help is crucial in reducing the pressure on your bank balance. Secondly, we negotiate with your creditors to reduce your existing monthly payments, to help balance your available money between essential bills and your credit commitments. Your new single lower monthly payment will replace all of your existing repayments. Each month you will pay your new affordable monthly payment. We will ensure all your creditors are paid quickly and efficiently, and each month you will receive a statement confirming your creditors have been paid. The creditors should stop the threatening letters and phone calls that make dealing with debt so stressful for you. Thirdly, every three months we will undertake a financial review. This ensures your monthly payment takes into account any change in circumstances that may have occurred during the last three months. Help with debts in this way will ease the financial burden you find yourself under. If you decide subsequently at some point in the future, that you would prefer not do carry on with the debt management program, you can leave it without penalty, as this is an informal arrangement with your creditors, and your are not contracted to stay with the program for any specific length of time. For advice on debt call our national debt help line now on 08000 944 333. Speak to one of our experts, and they will guide you through the options availabe, and together you decide which is the best one for you.
| 
