| Debt Consolidation and Assistance |
People of all ages and in all sorts of circumstances get into debt for various reasons. Unexpected events such as job losses, illness, business failure and divorce can all result in financial problems. When debts become difficult or impossible to repay it is difficult to know how to cope, how to manage debts and who to turn to for help and debt assistance.
Debt consolidation loans are one solution or debt management allowing you to settle on a fixed monthly payment over a period of time to clear a percentage of the debt as full and final settlement. Ther are also many debt helpline services too.
If the answer to any of these questions is YES...
Feeling trapped by debt?
Continually being harassed by creditors?
Overdraft over the limit?
Struggling to pay monthly bills?
Stressed and arguing over debt?
Unable to sleep at night?
Can't concentrate by day?
Take action TODAY - Debt freedom is now a REALITY with debt assistance and mangement plans.
We have sourced the companies below that can offer fast online debt help and advice.
If you feel like your debt isn’t manageable, perhaps it’s time to try and regain control. Don’t worry, you aren’t alone. Many thousands of people are in a similar situation. The trick is not to try and forget it’s happening but to face it head on and put a stop to it spiraling even further out of your grasp. Talk it over with someone, don’t keep it to yourself. You know what they say ‘a problem shared is a problem halved’. There are various debt assistance and mangement companies within the UK.
As a first step, to help you get a clearer picture of your existing commitments, try making three lists.
1/ Note down all of the people that you owe money to, both on secured and unsecured debt, and how much is currently outstanding, Make an additional note of any arrears that you may have too. For example, in this list, you would need to include your mortgage, equity release loan, bank loans, credit and store cards, hire purchase agreements.
2/ Then, make a separate list of all your monthly incomes such as wages, benefits, pensions etc.
3/ The last list you’ll need one that itemizes of all your outgoings. Make sure you include all your creditors, including any extra payments you are making to clear arrears, food and clothing bills, TV licence, Car Tax and insurance etc. Literally, write down everything you pay out on a monthly basis no matter how large or small the amount is.
Now’s a good time to speak to your creditors to let them know that you’re experiencing problems, they’ll be more sympathetic than you thought. You can tell them that you are considering the debt assistance help options available and that you’ll keep in contact with them should there being a problem paying them.
Don’t despair now you’ve got it all down on paper. It’s a positive step towards re-establishing your financial stability. With the lists of your incomings and outgoings, you’ll be better able to see how much money you have to work with each month. This will make it easier to see which of the debt help solutions would work best for you.
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