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SolveDebt.co.uk helps dozens of people every day
get handle on their debt with the right solution. Let
us help you take control today, so you can start
afresh tomorrow.

A new day.
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SolveDebt.co.uk helps 100s of
people every month to solve their
debt with the right solution. Let us
help you today, so you can start
afresh tomorrow.

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Debt Management Frequently Asked Questions

Like numbers of other people during the current credit crunch, you may be struggling with debt and looking for answers to your questions. Below is a list of frequently asked questions and answers concerning debt management.
Q. Do creditors always accept offers of a reduced payment?
A. In truth creditors are not bound to accept any payment below the monthly minimum. However, if you are struggling and committed to paying off your debt, most creditors will listen to a reasonable argument.
Q. What if my creditors are harassing me?
A. In the short term they may try to take action against you, but if you have someone else negotiating on your behalf, then you can refer them to that person.
Tell us about your situation…
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Q. Does having a debt management plan affect my credit record?
A. If you have a history of late or missed payments this will affect y0ur credit record. However, if you are making regular payments under a debt management plan other than an IVA, it is possible to repair your credit score over time.
Q. Do I have to be employed full time?
A. No. You just have to have some surplus income once you have paid out what you need to live one.
Q. Does it matter if I am not a home owner?
A. Debt management help is available to everyone who needs it.
Q. Does the plan cover all of a person´s debts?
A. No. A debt management plan usually only covers unsecured debt and any arrears.
Q. Is a debt management plan confidential?
A. Yes. Companies are licenced under the Data Protection Act and take confidentiality seriously.
Q. What if my financial circumstances change?
A. A debt management plan is a voluntary agreement and it can be changed with another debt solution if your financial circumstances change.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. ALL LOANS SUBJECT TO STATUS. BY TAKING OUT A CONSOLIDATED LOAN, THE REPAYMENT PERIOD IS USUALLY EXTENDED TO REDUCE THE MONTHLY REPAYMENTS AND THAT CAN INCREASE THE TOTAL COST OF THE LOAN.