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Debt Management How it Works It Costs You Nothing What Next? Online Form Search this website: Tell A Friend About Us Get details of Free Personal Finance ePublications Your email address: Frequently Asked Questions How does debt management affect my credit reference file? My reduced payments are less than my interest charges, does this mean I'll be paying forever? How do I know I'll be able to maintain the reduced monthly payments? How will it affect me getting a mortgage?

How Debt Management Works A debt management plan is designed to help you make affordable and sustainable repayments each month to your creditors. But trying to get all your creditors to agree to reduced payments can be hard work, especially when their collection departments only no one word, "No". Your debt manager will: Go through your finances with you Prepare a Financial Statement and Budget Agree an affordable monthly payment with you Negotiate with your creditors Distribute your payment to your creditors for you   Once your debt management plan is set-up, all you do is make a single payment each month. Your debt manager will do the rest. With a debt management plan YOU GET: Peace of mind of knowing someone else is dealing with your creditors Support and back-up from established professionals Regular reviews to ensure that agreed repayments remain affordable Convenience of making just one payment per month   Find out How a Debt Management Works Apply for a Debt Management Plan online NOW

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