Frequently Asked Questions

What is debt management?
Debt management is a plan by which a person can get help in making affordable repayments to various creditors over a period of time. We help people with debt management services in order to lead a debt free life.

What sorts of services are available?
You can get different debt management services through us. Take help from us with services like debt consolidation loans, debt consolidation advice, IVA etc.

How do I get help in managing my debts?
We help people in managing debts. We arrange for debt management services through steps like IVA. We negotiate with your creditors and come to an agreement by which you can reduce your debts over a period of time.  Your reduced monthly payment will depend on how much you can afford to pay.

I don’t want to face bankruptcy. Can I get an IVA?
Yes. We help people in getting Individual Voluntary Arrangements. We understand that an IVA not bankruptcy can help you to manage your debts. An IVA will help you to reduce your debts over a period of time. You can save yourself from being declared bankrupt.

What is debt consolidation?
Debt consolidation involves the process of consolidating all existing debts through a single loan. You can take a single loan and pay off multiple debts. You will end up paying a single monthly payment to a single lender. This loan will carry a lower interest rate than the sum of all the multiple debts taken together.

Do I have to pay a fee for your services?
No. You do not have to pay any service charge to us.  We offer free IVA Debt Advice to all our customers. Our experts will analyze your situation and advise you accordingly.