Free Debt Help, Debt Advice and information on Debt Management, IVA and Bankruptcy.

Please read the following carefully

If you have only one debt it can be difficult to come to an arrangement with a single creditor for reduced payments.

The creditors know if you do not owe money to anyone else, any excess funds you have should be used to pay off this debt.

If you have more than one debt, you still only have the same disposable income but no single creditor can demand to be first in the queue and for this reason they are usually willing to negotiate.

If you have more than one unsecured debt please add it to the form as this will help reduce your payments drastically.

If you have more than one debt with any of the following then they are are classed as unsecured creditors and is should then be possible to help to reduce your monthly payments:

Credit Cards
Unsecured Loans
Catalogues
Store Cards
Mobile Phone
Over Draft
Arrears with Gas, Electricity or Water bills (as long as you are no longer with the same supplier)
Rent Arrears (if you have moved)

If you only have the one debt, your details will still be studied by an adviser in the hope that there may be a solution for you, so please continue completing the form.