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Mr Smith has 6 unsecured creditors with a total debt of £38,786, his current contractual monthly payment amounts to £1,163.58. After taking his income minus his essential expenditure into account, Mr Smith has £434 to service these debts. A Debt Management Plan was negotiated for Mr Smith who will pay £434 per month. This single monthly payment will be distributed to creditors on a pro-rata basis. This reduces Mr Smith’s outgoings to his creditors by £729 per month.

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Our Advice

is FREE

UK

Debt

Counselling

A Debt Management Plan is an informal agreement between you (individuals or sole traders) and your creditors to repay any unsecured loans, credit cards, overdrafts, catalogue etc.

It allows you to get back on track by making one, single affordable monthly payment until a more permanent solution can be established i.e. your income increases or you have access to a large cash sum etc..  

If a Debt Management plan is established as being the most appropriate debt solution, we would, as part of our service to you, establish what you can afford each month. We would then make formal contact with each of your creditors and  make a proportionate payment every month to each of them from the single payment you pay to us.

There are a number of issues that we take into account before submitting a proposal to your creditors which significantly increases the chance of it being accepted.

Our financial review service is used to establish if a debt management plan is suitable for your circumstances. This is provided free of charge and is completely confidential.

     Lower payments.
Your payment will be based on your disposable income once essential outgoings such as rent, food etc are budgeted for. Certain other non-essential items can be included as essential living expenses.

      One payment
You make one single monthly payment which is proportioned out  to each your creditors. You will only pay what you can afford.

      No need for creditors to contact you.
You can inform your creditors that we are dealing with your debts and you may refer any correspondence from your creditors to us.

     Small levels of debt can be included.
The amount of debt can be relatively small in a Debt Management Plan when compared to the minimum required by an IVA.

      Flexibility.
If your financial circumstances change for the better or worse, you may adjust payments in the debt management plan accordingly.

      Interest and charges can be frozen.
Often, we can obtain agreement from your creditors to stop additional interest and charges being added to the debt.

      No need get involved in legal proceedings
As a debt management plan is an informal agreement and not legally binding on either party, it therefore does not involve the courts. Creditors may still register default notices against you, which will show on your credit file.

     Does not put your home at risk
Unlike a secured debt consolidation loan, you do not run the risk of losing your home should you not be able to make payments.

Call us now for FREE,

NO OBLIGATION

DEBT ADVICE

And start to be

DEBT FREE TODAY!

24 hours a day

7 days a week

Freephone:

0800 334 5176
 

We understand that debt is not

just about money, it is about

the pressures that you and

your family have to cope with.

Debt Management plans

Our experience can make things happen!