I've Borrowed Too Much

Well done - you have made the first step of realising that you have borrowed too much. That is one of the first steps of managing your debt. You need to write down all of your debts - don't hide any, as you're only hiding them from yourself, which solves nothing. If you hide your debts, you will never become debt-free as there will always be another problem building up.

Once you have noted down all of your debts, you need to see if you have any loans that you can clear quickly. The idea is to clear those loans and cards that have the higher APR rates, as these are costing you more in interest than the others. If you can balance transfer any of your debts to other cards that have lower APRs, then that can help in the short term. Obviously in the long term, the idea is to have them completely paid off.

If your debts are so large that you simply can't even service the interest, then a Debt Management Plan (DMP) or IVA may be for you. A DMP is typically used when the total debt is under £15,000. For larger amounts an IVA is a better option.

Simply complete your details to the right and one of our professional debt advisors will contact you at your choice of time to go through the different options available. There is no charge for this no-obligation call.

Start Clearing Your Debts

Don't delay. Simply complete the form above, and one of our discreet professional advisors will call you back at the time you choose for a no obligation chat about what the best options are for you. Please note that there is no charge for this call, so you have nothing to lose and everything to gain.