DEBT CONSOLIDATION WITHOUT A LOAN

A debt consolidation plan is an informal arrangement between you and your creditors, negotiated by us on your behalf. Our experienced debt advisors will take details of your income, expenditure and debts. This will enable us to establish what disposable income you have to pay to your creditors and we will then be able to prove to them that you cannot afford to pay your current contractual payments. We will also negotiate with them to stop interest and charges on your debts.

You make one affordable payment to us, which we distribute to your creditors.

A debt consolidation plan will mean:
One lower monthly affordable payment
Less Contact from your creditors once the plan is set up
Flexibility – you may alter your monthly payment according to your circumstances
Your home in not at risk
Professional legal advice at hand to deal with any court correspondence
Potential interest and charges stopped or reduced.

If you can afford a monthly payment of £200 or above and have debts over £15,000 – you may be eligible for an IVA. This would mean you could:
Wipe out upto 75% of your debt
Be Debt Free within 5 years
Have the courts stop the creditors from contacting you
Protect you from bankruptcy and avoid public notice.

Please call 0800 881 8748 or visit

www.debtfreehelpline.com