Reduce Your debts by up to 85%
Free Debt Management Advice

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Free Expert Debt
Management Advice

Totally free advice from experts who will explain in detail how to reduce your debt repayments and freeze interest

Affordable monthly payments

You can consolidate all of your debts in to one low
affordable monthly payment

Stop creditor pressure

You will never need to speak to your creditors again
No more unwanted phone calls, text message or emails.

Freeze interest and charges

Interest and charges can be frozen allowing you to pay
off your balance much faster

Wipe out up to 85% of your debts

Debts can be reduced by up to 85%.

What is debt management?

Debt management is a way of dealing with your unaffordable debts by restructuring the payments in order to make them more accessible in terms of budget. This is an informal agreement with your creditors for which you have to bring proof of your inability to make required payments. If the creditors agree to accept amended terms, your monthly payments will be calculated in terms of affordability by referring to your surplus income only. That is, whatever is left from your monthly income after the value of your essential expenses are deducted. There is a fair chance that your creditors will agree to freeze interest and charges as well, in order to make the debt more easy to repay.

The aim of a debt management plan is, after all, to enable you to pay back what you owe without significantly affecting your lifestyle. Although smaller payments mean an extension of the repayment period, debt management might be the safest and most comfortable way of dealing with your debts without having to face unpleasant situations like calls from the creditors or court action.

Debt Solutions

Although Debt Management is the most popular way of dealing with unaffordable debt, it might not suit everyone’s situation. However, there are some alternatives to Debt Management that are most likely to provide a way out of debt regardless of the owed amount or the restrictions of your financial circumstances.

If you are unable to repay your debt within a reasonable amount of time, whether it’s because of the amount or due to low income, you could apply for an IVA or Trust Deed (if you are a Scottish resident). In this way, you will only have to pay at an affordable rate for a few years, following which, you become debt free.

If everything else fails and you’re considering a fresh financial start, you could apply for a Bankruptcy order.

If you are afraid to reveal your struggling and take a first step towards helping yourself out of debt, remember that you are not alone. Debt solutions are just a responsible way of dealing with your debts and getting back in control.

Debt management case study

Here is an instance of how your unsecured debt repayments could become more manageable with our debt management plan

  • Unsecured loan:
  • £9,500
  • Credit card:
  • £6,500
  • Store card:
  • £2,000

Total Debt £18,000

Before Debt Managements

Existing monthly repayment, £700

After Debt Managements

New monthly repayment, £250

New monthly repayment will vary from case to case, depending on personal circumstances

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On completion of our form, we may introduce you to one of our authorised debt relief partners using the contact details you have provided to us. If so, we may receive compensation for this introduction. Your initial consultation is always free, but if you enter into a debt relief programme, then fees will apply and these are made clear by your advisor. You have the right to a cooling off period of 14 days. By enrolling in a debt programme, it is likely that your ability to obtain credit will be affected for 6 years. Retained payment may place you further into arrears. Debt Help Limited uses reasonable care to ensure that the information appearing on this website is up to date and accurate. Whilst Debt Help Limited takes precautions to prevent the occurrence of errors and omissions, the user of this website should not take the accuracy of the information for granted. None of the material contained in this website is to be relied upon as a statement or representation of fact. Debt Help Limited does not accept liability or responsibility and it gives no warranty as to the accuracy of this information. Debt Help Limited is not giving advice or recommendation by virtue of having provided information on this Website. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law. Under no circumstances will Debt Help Limited, its employees, connected parties or qualified third party associates accept liability for any decision made or action undertaken as part of reliance to the information contained on this website. Your use of any information or materials on this website is entirely at your own risk. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements. Your statutory rights are not affected by this disclaimer.