The Debt Management Programme is a way of reducing your monthly repayments to your creditors down to an amount that you can afford, leaving you with the funds needed  to pay for the essentials. We take all of your essential monthly expenditure into consideration such as mortgage or rent, council tax, secured loans, sky tv, broadband, mobile phones etc and demonstrate to your creditors just why you cannot afford to repay the debts at the rate that they would prefer. In nearly every case the Interest can be frozen so the payment comes off the balance and not the accruing interest.

 If your wage or any of the essentials that you have to pay for increase or decrease, we can alter your payment to your creditors.  Whilst on the debt management programme we will deal with any letters or calls you may get, we become your agent working for you, protecting your interests.

Debt management is an accepted way of dealing with debt by the creditors as it shows commitment to repay, even if you can only afford a small amount every month, it can stop county court action, repossession or even worse, bankruptcy. If you have a mortgage or pay rent, by reducing your monthly unsecured debt repayments down you can make sure that your home is protected and arrears do not begin to accrue, if at the time of coming to welcome solutions you have mortgage or rent arrears, we can build this into your plan and notify your creditors, giving you the opportunity to clear the arrears in the quickest possible time.

Unlike some other debt management companies, there is no contract involved and our clients can stay on the debt management programme for as long or short a time as they feel it suits them, it is a fantastic way of getting your finances under control. We are a service driven company and look forward to speaking with and offering the solution that suits you.