Debt Management

Are you shorting or avoiding one bill to pay another?

Have you reached the limits of one credit card after another?

Are you searching desperately for yet another card to help extend your budget?

Do you avoid your house phone or 'hide' your mobile for fear it's a creditor calling again?

Take control of your finances: Don't let them control you any longer. Learn to leave that caged treadmill of debt.

Debt management is a skill that is not easy for many to learn. Fortunately, it is a skill that can be learned and not a talent that must be present at birth. Perseverance, attention, commitment and patience are the four cornerstones of proper debt management, and it is on those four pillars that our programme is based.

With debtmanagement.org.uk, you get:

A free, no obligation assessment

Financial control without incurring more debt

A uniquely designed debt management plan that offers resolution, not revolt.

As a part of debtsmart, we will sit down with you and evaluate your financial situation. We can assess your budget, spending habits and perhaps help you identify ways to save. Then your personal financial programme advisor will contact your creditors and negotiate the very best repayment terms possible on your behalf, creating a financial solution that is tailored to only your situation and your circumstances.

Unfortunately, we cannot guarantee every creditor will allow leniency in repayment, but the effort you put forth in the comprehensive income-to-expense outline we present usually convinces most creditors to listen closely and with as much good-faith consideration as possible.

We do require the first two months' payment amount in advance to cover our expense of constructing your unique plan and first contact with your creditors. The advance payment also takes care of confirming the outstanding debt amounts, freezing interest on your accounts and negotiating a viable repayment plan with them.

From the third month of your plan, we charge an administrative fee that equals 15 percent of your monthly plan, or £30 minimum. With that third month's payment received, we start paying your creditors who will receive their instalments no later than five working days of our receipt of your payment.

Properly followed, debtsmart will:

reduce your total monthly payments to amounts you can afford.

create a viable and affordable financial management plan that will reduce your debt, not recycle it.

task our experienced staff to negotiate with your creditors on your behalf,

lessen the burden of worry and stress over debts,

attempt to freeze or reduce interest charges and late fees,

further reduce your financial obligations by claiming back unfair charges and fees, including mis-sold Payment Protection Insurance or PPI.

Once your tailored repayment plan is in place and working as it should, we don't abandon you to just process payments. We confer with you again at the six-month mark and re-evaluate your situation. If necessary, we can redesign your debt management plan to accommodate new expenses or income figures.

Don't just think you can do it. Think smart and know you can with debtsmart, your tailored debt management programme that gets you out of the cage and off the debt treadmill.