• Make one affordable monthly payment rather than several payments to your creditors.
   

• We negotiate reduced payment plans with your creditors and distribute your payments to them on your behalf.
   

• We negotiate where possible to freeze or reduce interest  to repay the debt in the quickest time possible.
   

• You will have one point of contact. We will deal with any queries on your behalf, keeping contact from creditors to an absolute minimum.
   

• The plan is flexible to meet your needs. If your circumstances change for any reason the plan can be adjusted to suit your new situation..

• If you do not complete your plan your debt will not be cleared.
   

• Secured debts such as mortgages cannot be included in the plan.
   

• A Debt Management Plan will have an adverse effect on your credit rating.
   

• In the vast majority of cases, creditors agree to the plan and freeze or reduce interest. However, they are not obligated to do so and could still contact you.

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