Debt Consolidation Advice and Help Services

  • Get the help and advice you may need to clear your personal debts for good!

We see and hear the same patterns all the time when speaking with a consumer struggling to consolidate personal debt.

  • People are always nervous when they feel threatened!
  • Being in debt threatens your entire life so it is totally understandable to be consumed by a debt problem!
  • Thankfully though, you can obtain debt consolidation help and advice to clear debts that may stop you worrying so much about them!

Getting reliable financial help and advice or information about personal debt solutions is always the first priority when tackling a debt problem.

Getting out of and dealing with debt is no different as you have to treat it as you would any other problem in life.

  • First … get the best information available from a reliable source
  • Second … Devise a plan of action to clear off the most important or expensive debts first
  • Third … Get your creditors to agree to your plan, then stick to it.

We hear so often that if people had faced the problem as soon they recognised their debts were getting out of control, the recovery process of clearing the debt could have been so much simpler or quicker.

Getting out of debt can consist of one or more of the following debt consolidation or debt management;

A debt management plan is normally a process of informally negotiating the reduction of interest being applied by creditors and extending the original loan term with your respective creditors. A debt management plan is not a legally binding agreement and does not guarantee that interest and charges will be frozen.

An Individual Voluntary Arrangement is a formal repayment agreement between you and your creditors that can freeze the interest and charges being applied and reduce the amount to be repaid in total. An IVA is a legally binding agreement which usually has a fixed repayment period of no more than 60 months with an exact end date. Conditions do apply especially if you are a home owner with equity in your property.

A Debt Consolidation Loan is a way of financial debt consolidation that allows you to put all your personal debts into one new debt by taking out a loan to pay them all off and then having one simple repayment each month. It sometimes means that you are paying less each month with a debt consolidation loan but can mean the debt is spread over a longer period of time.  This form of debt help is often the most desirable but not always the best advice for someone trying to get out of debt for good.

If you do not address personal credit card debts your financial life could become so hard to manage that you end up having to face entering or enduring one of the following consequences of being in personal debt;

Try not to let it get to this stage, there are alternatives to Bankruptcy.

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.