What is debt management?

Due to a change in financial circumstances, such as change of employment or an increase in spending, you can find yourself struggling financially. A debt management plan is an easier way to clear yourself of spiraling debts. At debt-helper.com, we will liaise with your creditors and agree an easier payment plan for you based on your disposable income; this is the amount that you can afford to pay your creditors after essential commitments have been met.

We will appoint you an individual debt counseller, who will calculate your monthly outgoings & workout an amount that will be easier for you. Your debt counselor will do all the negotiating for you, reducing the stress of being hassled by you creditors.

What is debt consolidation?

If you have several debts, for example loans, credit cards and store cards, you may find it easier to apply for a debt consolidation loan. You need to know exactly how much money you owe to your creditors before you apply for this type of loan. A debt consolidation loan may not always be the best option for your circumstances and should be discussed thoroughly with one of our debt counsellors before you reach application stage. A debt management plan is sometimes the best remedy to consolidate your debts if your outgoings exceed your income once your day-to-day living expense has been accounted for.

What is debt/credit counselling?

Debt/Credit counselling is sometimes required when there is a change in your financial circumstances. The change can be caused by various reasons such as a change in your employment situation or a sudden increase in your spending. We will appoint you a personal debt counsellor who will fully assess your financial situation and workout a more acceptable payment system for you.

Your counsellor will then approach your creditors and do all the necessary negotiation on your behalf. Debt counselling may increase the amount of time you will be paying your creditors, however it's sure to reduce the stress on you!

• If you can't pay all you owe - you only need pay back part of it.
• Free Consultation - Apply now and we will explain how this may be possible.
• No Obligation Whatsoever - Submit the form or call us - either way we'll call you back.