Free Impartial Debt Advice for tenants and homeowners
Are your debts ruining your life? Are you afraid to answer your phone or open your mail? Well you are not alone! Every day our advisors speak to hundreds of people in a similar situation to you who want to get back in control of their finances. With credit increasingly easy to obtain over the past few years many people were tempted to take out more finance than they could actually afford. In fact, a shocking report recently revealed that last year the average UK consumer spent 10% more than their income. At Debt Line we specialise in helping people pay their bills, and meet their credit commitments, who are struggling to pay their bills. People with Credit history problems, mortgage arrears, Defaults, a previous bankruptcy or even County Court Judgements (CCJ's) are welcome, our advisors can help.
With Debt Line you could enjoy the feeling of having all your debts dealt with by someone else and you just having to make one manageable payment each month. We will take full control of managing your unsecured debts. We will then devise a plan for repayments, this will be an affordable monthly repayment based on an amount you deem you can afford each month. We will share this amount amongst your creditors.
Our free impartial advice line is completely confidential, each month we take over 20,000 calls from people trying to get their finances on track and payable under an affordable monthly repayment plan. Our trained specialist debt counsellors can speak to you in total confidence about your financial situation. They can help you to get the solution that is best for you. At Debt Line we are here to help!
At Debt Line we aim to help you quickly and easily. During your free consultation with Debt Line we will:
At first we will examine your current debts, income and monthly expenditure. We will look at the debts that you currently have and how much you pay each month. Next we will look at your income and additional monthly expenses such as rent/mortgage, utility bills, food, clothing etc. Our trained advisors will then be able to recommend a debt management plan that suits your situation and is affordable each month.
Once you have decided to go ahead with a Debt Management plan we will negotiate with your creditors to reduce your payments and leave you with a reduced monthly repayment plan. Your creditors are under no obligation to accept our plans or freeze your interest but our negotiations can help balance available money between essential bills and your outstanding credit commitments. We will aim to provide you with a new single monthly payment, lower than your existing repayments, each month you will then only pay your new, reduced, monthly repayment. Our Debt Management Plans are flexible, it may take longer to repay the debt and your debts may increase but your monthly repayments will be reduced.
We will ensure all your creditors are paid quickly and efficiently, you will now only have to make a single repayment each month.
Although at Debt line we specialise in Debt Management Plans our advisors will, however, always look for the best option for your individual circumstances. Depending on your financial situation we can offer a number of different options either directly or through other companies that we work with. These options will include:
- Unsecured Loans
- Debt Management Plan