How to get debt free in a year
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Find out how to regain control of your debts and put a plan in place.
Avoiding calls from numbers you don’t know? Not opening letters in case they’re demands for money or threats of legal action? Unsure how you’re going to afford your repayments this month? If you answered yes to one or all of these questions, it’s time to get help with your debts.
We speak to so many people every day who have reached a point where they need help managing their debts. Many have been worrying for some time about how they’re going to afford their bills or even how they’re going to buy food for themselves and their family.
If this is you, we’re here to reassure you that there is help out there and that no matter how much you’re struggling with your repayments currently – or how much you owe – there is a way to deal with problem debt.
You can get the help you need today
No matter how bad things have become, you can start to get in control of your debts today. You can start unravelling all those complicated debts problems simply by having a conversation with someone who wants to help.
It can be very hard not to worry constantly about debts, especially if you’re being chased for payments by creditors. But the important thing to remember is that there is a way to put a stop to all that worry and start rebuilding your finances – and you don’t have to wait to get this help.
The people with the expertise and time to help you work everything out are only a phone call away. Our advisors are trained to be able to advise people in a range of different situations and they will always recommend the best solution for your particular set of circumstances.
What if my creditors are chasing me?
You should never think you won’t be allowed to start a plan to lower your repayments because your creditors are chasing you for money. In fact, if you can’t pay what they’re asking for, it’s definitely the right time to look at more sustainable ways to manage your debts.
Some people put off ringing us for help because they feel they should try and cope by themselves. But anyone can find themselves in problem debt and getting help and advice is the best thing you can do for your future – you don’t have to wait until things get any worse.
Even if you’ve missed payments, or you already have defaults or CCJs (Country Court Judgements), you can still get help with your debts. It’s never too late.
How do I deal with unmanageable debts?
If you want to start tackling your debts today, the first thing you should do is seek professional advice.
There are a few different debt solutions out there, so take some time to have a look through our page and get an idea of what’s available. If you want to find out which one is right for you, you need to speak to an advisor.
Our advisors can assess your situation, tell you which solution is best suited to you and how to move forward to change your situation for the better. There are fees associated with some of the solutions available to set them up and maintain them but these fees are always based on what you can afford – we’re here to put you in a financially stronger position. And the initial advice we give is always free.
You can also have a look at the Money Advice Service for lots of help on all sorts of money matters including debts.
Lift the weight off your shoulders
As we said, it’s very difficult not to worry if you’re under pressure to repay debts you can’t afford but the fact of the matter is worrying won’t actually change the situation – putting a plan place will.
We know only too well from our experience helping people that money worries can impact your quality of life. Reaching out for the help you need today might mean you get the best night’s sleep you’ve had a while if your debts have been keeping you awake at night. Livechat or call us using the options on the left.
by Christine WalshBack to blog home