Free Impartial Debt Advice for tenants and homeowners

Is debt ruining your life? Are you afraid to answer the phone or open your mail? You are not alone! Every day Debt Line advisors speak to hundreds of people in your situation who want to get back in control of their finances. With credit increasingly easy to obtain many people are tempted to take out more finance than they can afford. In fact, a shocking report recently revealed that last year the average UK consumer spent 10% more than their income. Debt Line specialise in helping people who are struggling to pay their bills and meet their credit commitments. Debt line can help even if you have credit history problems, mortgage arrears, Defaults, a previous bankruptcy or County Court Judgements (CCJ's).

If you would like to enjoy the benefits of having all your unsecured debts personally dealt with, and make just one manageable payment each month, then Debt Line is the answer. Debt Line will take personal responsibility for managing your unsecured debts. In addition, Debt Line will devise a realistic plan whereby you will pay one affordable monthly sum that Debt Line will share equally amongst your creditors for you.

Debt Line provide a free confidential advice line where over 3,000 people every month get advice on the best way to get back in control of their finances. Our specialist debt counsellors can speak to you in confidence about your financial situation and help you to get the solution that is best for you. Debt Line are here to help!

Debt Line aim to help you resolve your current financial problems in the simplest and quickest way possible. When you contact Debt Line for your free consultation we will:

• Go through all the information that you can provide on your credit commitments, income and expenditure. Debt Line look at how much you pay currently then compare it to your income and fixed costs like mortgage/rent, food, transport etc. Your experienced advisor will work to find the best solution for you. Debt Line will only recommend debt management if it is the best solution for your case.
• If you decide to go ahead with a debt management plan Debt Line will negotiate with your creditors to reduce your existing monthly payments. While your creditors are not obliged to accept reduced payments or freeze interest, negotiation can help balance your available money between essential bills and your credit commitments. Your new single lower monthly payment will replace all of your existing repayments. Each month, you will pay your new affordable monthly payment. Debt management plans are flexible and while it may take longer to repay your debt and the amount you owe may increase, Debt Line can often obtain significant reductions in your monthly payments by arranging for creditors to reduce or freeze interest rates.
• Debt Line will ensure all your creditors are paid quickly and efficiently, and each month you will receive a statement confirming your creditors have been paid.

Debt line specialise in Debt management plans however our advisors will always look for the best option for your individual case. Depending on your circumstances Debt Line can offer a number of different options either directly or through other companies that we work with. These options include:

1. Unsecured Loans

2. Secured Loans

3. Re-mortgage

4. Debt Management Plan

5. IVA

To find out more about which solution will be best for you call our specialist advisors now on 0800 4085 316