Debt Management allows us to deal with all of your credit commitments in one affordable monthly payment. Enter our program and one of our debt management experts will negotiate with your creditors on your behalf.

We are unique in offering the cheapest debt management programs on a no-fee basis. And unlike some organisatons we only employ fully trained and knowledgeable staff to find the best solution for you.

Once we can demonstrate to your creditors that you are facing financial difficulties, we can negotiate an agreement with them allowing you to spread your payments. Then, when we have established you as a regular payer, we can request them to freeze interest and charges.

These informal debt management arrangements, while not guaranteed, often prove a successful solution to debt problems and avoid the cost and stress of legal action.

Other options to consider are:

• A Debt Consolidation Program - put all of your debts together into one smaller monthly payment. Learn more about Debt Consolidation

• An Individual Voluntary Arrangement (IVA) - a legally binding arrangement between you and your creditors. Learn more about Individual Voluntary Arrangements

At Debt Free Helpline we can advise you on all of the options for dealing with debt.

Call now on 0800 881 8981 to speak to one of our advisors for free debt management advice.

There's no better feeling than knowing that you're in control of your finances. We just knew that we've done the right thing.

Mrs S