Manage Personal Debts with Debt Management

Debt Management help and advice in the UK can be the first step to clearing personal debts!

  • Learn how to manage your debt through debt management.
  • Learn how to manage your debts better using our debt management plan. We will try to make your getting out of debt simpler and less expensive.

Taking control of your debts is the single most important thing to personal debt help if you want to become clear of debt. To take control of your personal debt means managing the debts in a logical and organised fashion. There are lots of ways to eliminate the debts themselves, but all these methods should form part of a carefully considered debt management plan.

Prioritising your debts is an important part of your debt management plan. We work out which debts are the ‘must pay first‘ or “priority debts” as they are known, bills like your mortgage or rent, council tax and utilities. These bills must be paid to keep a roof over your head.

  • HIGH INTEREST RATES COMPOUND YOUR DEBTS!

After that, we will look at the most expensive debts. Personal debts like credit cards or store cards with high interest rates are typically the ones that cost the most to repay or manage but others like unsecured loans can also be very expensive debts. In fact, we will try our best to make sure your interest and charges are kept to a minimum if not even frozen all together, however, we cannot guarantee this.

We attempt to go one better than most debt management companies in that we actually believe in debt reduction and not just the simple management of an individuals personal debts.

DON’T PAY TOO MUCH FOR DEBT MANAGEMENT!

Most debt management companies charge their clients a percentage of their monthly repayment. This has the negative result that if you decide to pay more each month, the debt management company takes more too. This is not the case with us, more of your money is sent to your creditors if you pay us more. This is just one of the ways we show that we are serious about getting people out of debt and not just trying to take more money of their money. read more about our fees for our debt management plan.

  • Debt management UK information about what it can do for you!
  • Get debt advice and help today!
  • Do you need debt help and advice regarding an IVA or Individual Voluntary Arrangement?
  • Do you constantly think how can I end my debt?

All of these things are worth understanding better before you embark on any debt management plan because then you will fully appreciate what is being done and why. If you read the information and are still not sure or feel a little confused, don’t worry, we are here to offer debt help.

  • Call us today FREE from a land line using 0800 018 6868 and we will do our utmost to try to help YOU!
  • Haven’t your debts held you back long enough?
  • Don’t you wish you could get clear of or stop being confused by debt today?
  • Don’t you wish you had more control over your money each week?

With our expert debt management help you could!

Make the decision to get help right now! Call us free today from a land line using 0800 018 6868 and one of our trained advisors we gladly discuss your situation and they will give offer you help and advice in confidence to clear debts.

  • Debt Management help & advice in England, Scotland, Wales & Northern Ireland.

Debt management is a process where you or a third-party on your behalf, negotiates with your creditors to reduce the current contractual payments set at the point of signing the respective credit agreement based on the contracted person having suffered a genuine change in personal circumstance.

  • Some debt management companies in the UK will tell you anything you wish to hear just to win your custom.  Lewis Alexander is NOT one of them.  We will try to advise you on the best and most economical way to clear debts.

Clearance of debt should be done by making sure that the total repaid is kept to a minimum whilst also taking into account the clients particular circumstantial financial requirements, both now and for the future.  Debt Management can be an excellent route to control and clear your debts.

We have provided links below regarding searching for Debt Management in the UK, thank you for your visit today.

Interest rates to hit 6% and standard of living on hold for 2 years

  • Welcome to Britain!
  • Do you buy British?
  • What have we been left with from years of overspending, over lending and over borrowing?

We have been left with the prospect of facing the title of this blog post.

Not all people have over spent or over borrowed and some if not a great number have been subject to unexpected changes in personal circumstance.  This could be a loss of job or fewer hours at work or possibly even an accident or illness.

House prices are steadily dropping instead of crashing and household budgets are being tightened every day.  It is no fault of the current coalition government but it does fall on them to sort.

It is a shame for our society that the governments’ time need be spent on sorting a past and current problem instead of using the time to positively move ahead with the allocation of previously retained funds that a departing government could have left.

  • Wishful thinking!

Regardless of the reason why we are in this position we still have to have a firm idea of how we can individually help ourselves and not just accept the news stories that state the title of this post and be bogged down with negative attitudes towards the nations’ financial future.

We have no incentive to save as interest rates are low, we have little ability to increase our earnings if our main jobs take up the majority of our time, so what can we do?

Well, those with money should be spending it as the circular flow of the economy needs the constant re injection of gained funds, without this a few would end up very rich holding their money and we would all be working for them, hang on, is that what is going on?

  • Where are these cash hoarders spending, is it in Britain? No!

The majority of the high paid who take income from the British Isles, do not tend to spend the majority of that income here.  Apart from mortgage repayments and general / subsistence costs for being in the UK, they do not holiday here, or buy second properties here.

The money moves out of the country very quickly and this mass bulk of funds that would in other years gone by be spread around the retails tills of the UK, now goes into Europe, Asia or the USA.  This would be okay if as much of the money from the other continents came here but we do not seem to be able to attract enough.

If you buy British you are helping our economy, it is not easy to find everything we need at the price we want with a “Made in Britain” label on it but by thinking outside the box, you may be able to find other ways of increasing your “Buy British” spend.

If we all bought more British products and services it would cost us but our economy would benefit and in turn the cost would reduce.

When our personal debt consultants speak with potentially new clients for the first time, we often find that each story is very different but the same under lying issues are there;

  • Reducing incomes
  • Increased cost of living

It can be very difficult for people to accept that one month they were okay and the next they are considering finding some sort of solution that can help with debt problems.

Not all situations require severe debt solutions such as Bankruptcy or an IVA and most can be dealt with simply through a debt management plan.

Clients that accept our advice usually find the help with debt that they require. Clients that do not accept our advice usually end up in the hands of unscrupulous finance companies.  These companies are taking advantage of consumers that are unable to identify which company is actually telling them the truth, these consumers also tend to buy and shop on price and are more likely to snatch a deal and be mis-sold to.  The unscrupulous companies only exist because of the decision making of the consumer.

The only way you can ascertain which company is a bonafide one and which is not is to investigate and question that company,

  • When were they established?
  • What is the name at Companies House that they trade under?
  • What is the number or the consumer credit license they have which allows them to give you advice?
  • Do they have a current data protection registration number? If not they should not be processing your personal details!
  • Check out what you have been told, do not just take a strangers word for it who may have some type of financial gain by lying to you!

At Lewis Alexander debt help UK we can furnish you with all of our registered company information, if others can’t you should beware when obtaining debt help or advice.

If you are struggling and need help with debt, please call our debt helpline using 0800 018 6868, this number is FREE from landlines, mobile costs may vary.

Calls are dealt with in the strictest of confidence and lines are open 24 hours a day.

Debts Help

Debts Help

If you need debts help and are fed up with searching online for help with personal debts, you can find all the advice you need from Lewis Alexander Financial Management. They have a personal debt helpline available 24 hours and the call is FREE.

If you need debt management help you can also call Lewis Alexander. They are a specialist debt management company operating nationally throughout the UK.   They have a proven track record in helping people clear personal debt problems.

If you have been made redundant recently or have experienced a change in circumstances, then Lewis Alexander could also help you with your debts / finances.

Call 0800 018 6868 FREE from a land line or visit Lewis Alexander online, debts help services include IVA advice, Bankruptcy Information, Loans and Debt Management Plans.

Debt Management “Minnow” Lewis Alexander Stands Strong After Avoiding Acquisitions

Lewis Alexander Limited, the specialist Debt Management, Debt Consolidation and IVA advice service has released information about the current standing of the company after its decline of offer/s made relating to the possible sale of the business over the last 3 years.

Manchester, England (PRWeb UK/PRWEB ) April 13, 2009 — Debt Management specialists Lewis Alexander of Manchester England have confirmed that trading remained profitable for 2008 / 2009. Takeover talks and further   bids were rejected over the last 2-3 years but the company remains in a position of financial strength regardless.

The company’s main focus is on acquiring and retaining Debt Management clients. It does this through a personal debt helpline, made available 24 hours a day, 7 days a week in the UK.

Most clients who approach Lewis Alexander are in need of advice and help regarding all different types of personal debt issues. Lewis Alexander is a UK registered trade mark and the company is recognised nationally both online and offline through direct response television advertising. An exceptional ability has been shown by Lewis Alexander when it comes to online SEO or Search Engine Optimisation. The company refused to Pay Per Click (PPC) in the past but market conditions are starting to allow for PPC as profit from cost effective SEO is up. The SEO success enjoyed has allowed Lewis Alexander to compete with the larger PLC competition without the same cost they encounter through paying per click. This in turn reduces the cost per client acquisition for Lewis Alexander over its competitors.

Whilst the company has made significant progress and growth over the last few years, it has done this much to the benefit of its existing client base by creating a compliant and honest environment where people can obtain the advice they need at the speed and time they require.

This can only be offered with the commitment of the clients that remain using the Lewis Alexander service. Most debt management companies boast a client retention rate of approx 5-6 months. Lewis Alexander is currently boasting client retention periods of 3-5 years, a massive difference which clearly states a difference in operational procedure.

The profitability of the company is down to a number of reasons. Firstly, the business model is based upon organic growth, so should an advertising campaign turn bad, it has been budgeted and paid for from cash at hand. Secondly, there are a board of keen directors involved that believe in development and investment in existing people and systems, that without, the company would not be where it is. Thirdly, the company shows a commitment to the clients long term financial recovery by not over stretching them and making initial repayments affordable. Their advisors are not commission based, they are paid regardless of the client taking the companies fee charging help. This ensures compliant advice on behalf of the company at all times.

The reputation of Lewis Alexander is at stake every time it makes an offer of repayment to a creditor, on behalf of a third party/client. This is because if the third party/client does not commit and repay, the offers sent by Lewis Alexander appear disrupting to the creditors. This is important as the client selection by Lewis Alexander is as important as the clients own selection of the service they choose.

The outlook for the company is strong for 2009 / 2010. Trading will be slowed by market conditions in the first / second quarter and the obvious problem faced for most debt agencies is that people cannot consider repaying their unsecured debts until they are back in employment. This will have significant setbacks to the industry as a main for the remainder of 2009.

Lewis Alexander faced offers and a potential opportunity to join a listed PLC company in its quest to increase market share of the Insolvency / Debt Management arena. The offer was declined by Lewis Alexander shareholders and thankfully due to current share prices at the time of this articles creation, the company stands strong as a master of its own destiny. The fact that the company is privately owned does allow for the extra care and consideration of the client management which is evidenced by the retention rates not just the ability to obtain new enquiries or acquisitions.

This is most important from an investment point of view as the company that attains a client quickly, makes a sale. However, the company that attains and retains clients makes the sale and builds an investable business with a strong foundation.

For further information about Lewis Alexander Limited please visit Lewis Alexander or call  0800 018 6868.

See the original story at: http://uk.prweb.com/releases/2009-debt-management/4-company/prweb2319614.htm

Emergency money help and advice

When we are struck with sudden costs such as health or home related, we tend to struggle to find the money to pay for the “emergency” that has arose.

Even if living costs are being met when the odd change of circumstance occurs, it can have devastating effects financially for the long term if you have to borrow emergency money at high rates.

People should save an emergency fund or have a way of accessing emergency money through insurance or even friends or family.  In a world that is ever more technological and fast moving, accidents and break downs of all types of equipment are more likely.  Yes, even the breakdown of our own bodies.

If your financial situation does not allow for you to think about a budget for a rainy day fund, or emergency cash fund, then consider how you can increase your earnings to enable you to save that few extra (£) pounds per week or month. When you have the small fund you will feel as though you have achieved something, test us to see if we are wrong!

The important message within this blog post is “Get your rainy day fund in order, or start one today!”

If you are struggling with personal debt and think that you would benefit from a confidential conversation with a trained debt advisor, call our personal debt helpline today using  0800 018 6868

Debt Management UK

Debt management is a way to consolidate all your unsecured debts into one affordable monthly repayment.

This is done by taking items of credit such as catalogue debts and credit card debts, store cards and loans including overdrafts, then combining all the payments you make each month into one new payment to a debt management company.  Your chosen debt management UK company will negotiate with your creditors and attempt to freeze the interest and charges being applied to your accounts. This cannot be guaranteed.

For further information regarding debt management plans please call our personal debt helpline today in total confidence for debt help UK using,

  • 0800 018 6868