We’ll draw up a realistic repayment plan with you – making sure you have enough cash every month to pay for all your bills and living expenses. We’ll then speak directly to your lenders and secure a lower, more affordable repayment plan for you.

We have great relationships with lenders all over the country, so when it comes to lowering your debt repayments, you can have complete confidence in us.

And once the Debt Management Plan is set up, we’ll distribute payment to your lenders every month.

What makes a Debt Management Plan different from other debt solutions, is the flexibility it offers – it’s responsive to your situation. So, if you’re financial situation improves and you want to increase repayments to clear your debts in a shorter amount of time, no problem!

In short, a Debt Management Plan lets you repay your debts at a rate you’re comfortable with.

We’ll request that your lenders freeze interest and charges on your debts, so your debts can only reduce. In 88% of the debts we manage we are successful in this.

Debt Management Plans are not legally binding, so lenders do not have to accept a reduced payment plan or freeze interest and charges on your debts. However, many years of experience have taught us that most lenders welcome a responsible repayment plan with lower payments based on what you can realistically afford.

If you make all of your monthly repayments and complete the Debt Management Plan, then you will clear your unsecured debts.

One of the biggest stress factors in dealing with debts is the constant contact from lenders. With us on your side, you don’t need to worry about letters or calls from your lenders because we’ll speak to them for you!

They may still contact you from time to time during the early stages of the Plan, which is normal, but once they know that we’re dealing with your debts, they’ll contact us instead.

From your initial enquiry right through to when you clear your debts, we’re with you every step of the way.

Whenever you need advice or support, our friendly team is only a phone call away.

During your Plan, we’ll keep you up-to-date on all the progress you’ve made and you’ll have access to a secure customer log-in centre where you can check on payments.