UK Debt Consolidation

Profile

UK Debt Consolidation

UK Debt Management & Debt Consolidation Service. Bad Credit Loans, Insolvency, IVA and Bankruptcy Help.

· Reduce your debts by up to 60%
· We will negotiate to lower your repayments on your behalf
· There are no up front fees of any sort
· All information will be held strictly confidential
· Find out how much you could save yourself for free

If you are in debt difficulties and finding it hard to cope, don't borrow more money. With our debt management program we can reduce your monthly bills by up to 60% and clear all your existing credit cards, loans and other debts by replacing them all with one single lower monthly payment.
Our Personal Advisors will negotiate to lower your repayments with your creditors on your behalf leaving you debt free and able to enjoy your life again.

· You Will Not Be Charged For An Enquiry.
· You Are Under No Obligation Whatsoever.
· All your details will be held strictly confidential.
· There Are No Up Front Fees Of Any Sort.

We will find a comfortable payment for you, giving you just one cheque to write each month. Once we receive your payment, it will be dispersed in a timely fashion to the creditors. Abacus is not a loan company, so you will not go further into the red. In fact, your monthly payments will be reduced.

Having debt problems can be a huge burden. You may be considering bankruptcy as the only solution. Bankruptcy, however, leaves a long-lasting mark on your credit report, and consolidating your money problems requires you to pay back 100% or more of what you owe in interest. Abacus debt management is pleased to offer you an effective alternative service to help solve your money crisis using a method known as debt consolidation. Our debt management program is the alternative that looks out for your best interests and helps you regain control of your cash.

Debt management is a process by which we negotiate with your creditors to obtain the lowest monthly obligation needed to satisfy all of your current accounts.

As a well-established and professional financial management company, we will approach your creditors for you. Negotiations are made and lower installments are paid to them on your behalf.

So you pay one sum monthly, which is in turn portioned out to your creditors. This monthly payment will in almost all cases be lower (perhaps by as much as 70%) than the sum of your individual account obligations. As the creditors are paid monthly, you will receive a receipt confirming the amounts paid to them.

Creditors recognize that people who enter a debt consolidation program are trying to repay their obligations in good faith. Creditors are more willing to extend favorable terms to such clients in the hope that they (the creditor) will avoid the significant expense of turning the account over to a collections firm or avoid an extended drawn out process if the account holder goes through the expense of declaring bankruptcy.

Mission

Debt Management from Abacus

Abacus are a UK Debt Mangement Company. Our Debt Mangement program can reduce your monthly bills by up to 75%, clearing all existing credit cards, loans and other debts by replacing them all with one single lower monthly payment.

We will negotiate with your creditors, to help reduce your current payments, to a single affordable monthly payment. Apply now and we can help to reducing your outgoings within days.

*Your enquiry will be free of charge
*You'll be under no obligation.
*All correspondance will be strictly confidential.
*We will find a comfortable payment for you, giving you just one cheque to write each month. Once we receive your payment, it will be dispersed to your creditors. Key points of out service are:-

You will not go further into debt -
Your monthly payments will be reduced. Debt can be a burden. You may be considering bankruptcy as the only solution. Bankruptcy, however, leaves a long-lasting mark on your credit report, and consolidating your money problems requires you to pay back 100% or more of what you owe in interest.

Abacus debt management is pleased to offer you an effective alternative service to help solve your debt problems using this debt consolidation method. Our firm's debt management programme is the alternative that looks out for your best interests and helps you regain control of your cash.
Let us manage and consolidate your debts, so you can get on with managing your life.

Our advice is FREE, the call is FREE, - you are under no obligation.

How Can I Consolidate My Debt Without a Loan ?

Debt consolidation is a process by which we negotiate with all of your creditors to obtain the lowest monthly obligation needed to satisfy all of your current accounts.

If you make monthly repayments to multiple creditors, one option is to apply for a debt consolidation loan. The principle behind this is that you borrow a large, lump sum to repay your creditors and are then left with one creditor and one monthly repayment. The idea is that the repayments on this single, larger loan will be lower than the sum you are currently paying. For instance, if you have four different credit cards you might be paying an average interest rate of 16.9%. It is possible to get a credit card debt consolidation loan for the combined total. The interest rate on that might be about 9.9%. Thus, making a saving on your monhtly repayment.

A debt consolidation loan can help many to reduce their payments for credit cards, loans, hire purchase, etc. It works very well if you can easily afford the repayments and are just looking for a way to simplify things and bring down the interest rates.

However, there are many people that struggle to meet the repayments each month. Some of these even find that their outgoings each month exceed their income. For these people, a debt consolidation loan is probably not the answer. If a person is in debt, taking out another loan to pay their other loans is not the answer. A small reduction in their monthly repayments will not make a significant difference in allowing them to break out of debt. In cases like this a debt management plan may be more suitable. This will also consolidate all your repayments into a simple monthly payment but it does not involve taking out another loan.

What is a Debt Management Plan?

Debt Management is a system to help those in debt become debt free. Our Debt Management Plan is a simple, systematic way of dealing with your debts. Not only can it reduce your repayments but is also takes the stress of dealing with your creditors away and can stop them from taking legal action against you.

We operate a 'single payment' plan whereby our clients pay us a single, monthly fee and we then distribute this between each of their creditors. This means all your debts are consolidated into one single, affordable payment. Not only are they consolidated into one monthly payment, in almost all cases we can reduce the total amount you pay each month by up to 75%. This is due to the fact that your creditors know you have a debt management company working on your behalf and we can work on your behalf to get the creditors to lower or freeze your interest rates. Also, you no longer have to feel harassed by your creditors; from the day you sign up with us, we will handle all communication with your creditors.

The simple payment you pay is based on your income and expenditure. This means that legitimate living expenses such as mortgage, phone and food are removed from your income so you only pay what you can afford.

Who are we?

We are Office of Fair Trading registered and are licensed debt adjusters. We are also data protection registered. This means that we are qualified to give quality, confidential debt advice and credit counselling. We have an experienced team and we pride ourselves on providing quick and effective debt management solutions. We operate on a national basis throughout the UK. We deal with debts ranging between £3000 and £250,000.

We have considerable expertise in helping people who have been refused a loan or are struggling to consolidate existing debts. We have dealt with over 100,000 enquiries, probably very similar to your own.

The services we provide range from helping arrange a £500 loan for a car, to negotiating favourable repayment terms on debts in excess of £250,000. So whatever your enquiry we will do our best to help. The services we provide are for UK residents and include the following.

DEBT MANAGEMENT PLANS
Debt management services have grown rapidly in recent years. Consumer credit and borrowing is at it's highest. Hardly a day passes without you being offered some form of credit or low interest offer. There are loan companies, credit cards and store cards all looking for your business. With such easy and fast credit available, it is not surprising that you can easily find yourself overcommitted. A debt management company can help you repay your debts at an amount that is affordable to you. One monthly payment is a lot more manageable than numerous various payments.

LOANS (SECURED OR UNSECURED) AND MORTGAGES / REMORTGAGES
We can help you find finance either through a secured home loan or an unsecured loan. Even if you have bad credit, a County Court Judgement (ccj) or have been declined a loan already we will help. A debt consolidation loan can be a great way to help reduce your monthly outgoings or save on interest payments. We can advise on the best route for you.

INSOLVENCY AND BANKRUPTCY ADVICE / COUNCELLING
An Individual Voluntary Arrangement (IVA), Protected Trust Deed (Scotland) or Bankruptcy are all options that can greatly help people experiencing debt problems and are looking to become debt free. So if you are looking for a loan for any purpose or are looking for debt help, please follow the links below or give one of our advisors a call.

Contact Information

Address:

UK Debt Consolidation
Park Rd
Timperley
Cheshire
WA14 5BZ
UK

Phone Number:

08700 620 688

Fax Number:

Email Address:

sales@uk-debt-consolidation.org.uk