Debt Management means that we manage your debts for you.

You tell us during our meeting who you owe money to and how much you owe. Then together we look at your income and your expenses and determine how much you can afford to pay each month. We then take over.

We negotiate with your creditors and we make the payments on your behalf to reduce and clear your debts. You make one single affordable payment to us each month with which we pay your creditors. This means that your debts steadily reduce until you have repaid what you owe and become debt free.

Debt Management may be right for you, especially if you have income but are struggling with repayments. We will always advise you what is best for you and if debt management does not suit your circumstances we will tell you and suggest alternatives.

Every so often we will review your circumstances with you and if they have changed then we will re-examine the debt management programme. The big advantage with this type of repayment is that it is flexible and it can be altered to suit your new circumstances.

We will always deal with your creditors and once the debt management strategy is in place your creditors will have no need to contact you.

We are licensed under the 1974 Consumer Credit Act, who issue guidance to ensure that our advice is ethical and professional.