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Take our debt test to see if you qualify for debt management.
If not, we'll recommend the best debt solution for you.

What is debt management?

A debt management programme is a new repayment plan that's specially designed to reduce your monthly debt payments and get you out of debt as fast as you can realistically afford.

• We'll talk to your lenders on your behalf, asking them to accept lower payments
• We'll handle all letters and phone calls from your lenders
• All you do is make one monthly payment, and leave the rest to us

What is debt management?

• Get out of debt at a pace you can afford
• Pay off multiple debt payments with one monthly payment
• Freeze or reduce interest and charges
• Stop demands from - and contact with - your creditors
• Take control of your debts without a loan
• Get a clear, affordable path out of debt

Is a debt management plan right for me?

• Do you need to cut the cost of your monthly payments?
• Do you want someone to deal with your debts - and your lenders - for you?
• Do you want to clear your debts without a loan?

If so, debt management could be the perfect solution to your debt problems. Call freephone 0800 185 2871 to find out more.

How does it work?

• Tell us what you can afford to pay your lenders each month
• We'll ask them to accept lower payments
• We'll ask them to freeze interest, so you're paying off the debt itself - not the interest
• We'll deal with all correspondence with your lenders
• You just make one affordable monthly payment to us, and we'll handle the rest

When will I be debt-free?

It depends on how much you can afford to repay towards your debts. Just remember:

• If lenders agree to freeze or reduce interest and waive charges, this can slash the time it takes you to clear your debts.
• We'll make sure you don't commit yourself to an unrealistic repayment plan.
• Feeling under pressure to agree to repayments you can't afford will only set you back if you can't keep them up over time.