Credit ProblemsDo you
have a poor credit history or are currently finding it hard to get credit due
to a poor credit rating; Are you self employed and have no proof of your income;
Do you have payment arrears or defaults; Have CCJ's or have been made bankrupt;
Are you in a negative equity trap, if your answer to any of these is yes then
a Debt Consolidation Loan could be the answer for you or maybe you need to speak
to a Debt Management Specialist. Read our explanation of Debt Consolidation and
Debt Management Specialists below. Debt ConsolidationAre you spending
more than you earn each month, struggling financially for whatever reason, have
CCJ's, defaults, arrears or are finding it hard to get loans and other forms of
credit. Too many people are paying too much for expensive short-term credit such
as credit cards and store cards leading to debt problems and stress. Debt
Consolidation might be the answer for you. Pay off your expensive credit cards,
loans and other debts replacing them with an easy single monthly repayment that
is up to 50% less than you are paying now. Debt Consolidation enables you
to reduce your monthly outgoings by paying off all your debts, leaving you with
one lower and more manageable monthly payment. A single, affordable monthly payment
is calculated for you based on your individual financial circumstances. By
replacing your debt with a Debt Consolidation loan at a lower interest rate spread
over a longer repayment period you can significantly cut your outgoings and improve
your lifestyle. If you do have a property that can be used to secure your
loan, the lender can offer you more flexible borrowing arrangements and a lower
interest rate. Debt Management SpecialistsA Debt Management specialist
will talk to your creditors on your behalf and arrange a single, lower monthly
payment which you can afford, allowing you to sit back and put the worry behind
you. A Debt Management specialist can help reduce all your payments into one,
affordable monthly payment. This is not another loan as in a consolidation
loan but a negotiated repayment strategy that you and all the lenders you owe
money to are happy with.. A well-established financial management company
approaches your creditors. Negotiations are made and lower instalments are paid
to them on your behalf. A single, affordable monthly payment is calculated
for you based on your individual financial circumstances. The financial management
company to each of your creditors then distributes this payment. The monthly
repayment is tailored entirely to your individual needs. It is based specifically
around your affordability. Debt Service is our recommended
Debt management specialist, as long as you are struggling with your debts, they
will accept you. Lenders who can help with Debt Problems (Debt Consolidation
& Debt Management) | 
