Debt free help

UK Debt help services

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Are You A Home Owner?

Yes

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Will it affect your chances of getting a mortgage or credit in the future?

Good credit status can only get you more credit, and if you are struggling with debts and high repayments this is something you are unlikely to be looking for. However, none of the debt solutions we offer will affect your ability to get a mortgage, since a mortgage loan is always secured against your property interest rates may vary but that is only because your credit status will probably already be affected. It is not advisable to try and take out any further loans, and you may, in any case, be turned down due to your current credit status

DEBT MANAGEMENT

If you have been considering a debt consolidation loan you may want to look at this option first. You can combine all your debts and make one affordable payment towards them each month, but do not need to take out an additional loan in order to do so. You also have the possibility of freezing interest payments, so the debts can be paid off more quickly.

DEBT MANAGEMENT – DO I QUALIFY?

Our debt management plans are available free to all UK residents.
To qualify, you need to satisfy the following criteria:

1. You are unable to meet your credit repayments.
2. You can afford to pay your creditors at least £100 a month.
3. Your unsecured non-priority debts amount to at least £8,000.
4. You have a minimum of 3 different consumer debt creditors.

(An overdraft with Barclays Bank, a Barclaycard debt, and a Barclayloan would only count as one creditor.)

All plans apply to unsecured debts only. Any secured debts, such as mortgages, secured car finance, Hire Purchase and leases, are excluded.
Priority debts, such as rent, Council Tax arrears and Student Loan Company payments are also excluded, as are sums owed for Benefit or Tax Credit overpayments, CSA and Maintenance arrears.

It’s also likely that creditors will not allow debts on which less than 3 months of repayments have been made.

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WHAT DO WE DO?

Based on the information you give us, we will be able to analyse your situation and advise you on practical and risk-free steps you can take to get out of debt. Ultimately, we will see if you qualify for a government-approved debt solution which will allow you to wipe off 85 - 90%

what we do

It's free!

Please call 0161 244 5649 or click here do it online. One of our debt help specialists will give you all the information you need to start dealing with your debt problems.

Debt free help.co.uk is funded by one of the UK's largest leading IP’s, which means we are able to provide free advice to anyone with debt difficulties who is looking to become debt free.

debt advice

TAKE ACTION

Living with debt on a daily basis is difficult enough at the best of times. If you don't know what to do to get clear of it, then that just makes matters worse. Of course, you need advice -- but you have to be careful. There are too many companies out there whose advice will be based on their financial needs rather than yours.

What you really require is advice that's both accurate and independent. And if it comes at no cost to yourself, so much the better. DEBT FREE HELP.CO.UK is a free comprehensive review of your financial situation, involving no obligation on your part whatsoever. It will establish precisely where you stand, and what options are available to you. Based on that, we will then suggest what we consider to be the best solution for your particular debt problem, advice that you are free to take or ignore as you please.

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