What if i change my mind?

We provide debt advice, for free. If you accept the debt plan, then there is a 14 day cooling off period. Should you change your mind for any reason, then you are free to cancel. You are able to cancel the plan at any given time during the period of the plan.

Do lenders accept reduced offers?

Many years of working with lenders have taught us that most lenders will accept a responsible payment plan. In most cases, they will freeze interest and charges on debts, but this is solely down to the lender to agree.

What if lenders continue to ask for payments from me?

This is normal during the outset of our plans, in the first stages we will be contacting your lender to arrange the payment plans, this means they may still be contacting you. If this is the case, just ask them to get in touch with us.

What if circumstances change?

The debt plan is an agreement between us and your lender, if your circumstances change, so can the plan. We can even create a new arrangement if that becomes viable at a later date.

Will this affect my credit rating?

Short answer: yes!