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How Can Debt Stop Direct Help Me?
The Debt Management Programme at Debt Stop Direct ltd
Here at Debt Stop Direct Ltd we believe there is 5 simple steps to starting up and running a successful Debt Management Programme. We have found if you follow these steps, with the expert guidance from our dedicated team, a stress and debt free future is often just around the corner. Please see our Pre Contact Information which contains some frquently asked questions
Step 1:
The whole process starts with a simple chat with one of Debt Stop Directs'
Financial Advisors. Here you will be asked a series of confidential questions
regarding your finances, including your current levels of income and expenditure.
The financial advisor will use this information to determine the most suitable
course of action to get you out of debt. If at this stage it is mutually
agreed that one or more of the solutions we offer would be of benefit to
you then an introductory pack will be sent first class in the post out to
yourself for more information click here.
Step 2:
Upon receipt of this pack, you will be in possession of a few simple pieces
of paper that could hold the key to the best financial decision you ever
make. The purpose of the pack is to start to collect and build up a picture
of your current financial position.
Your role in this step is key to the programme's success, yet it is a simple
5 minute job. Just fill in the forms including a written authority form
which allows us to speak to your creditors on your behalf and obtain important
information such as current balances, interest rates etc. then quite simply
put the completed form in the pre-paid envelope provided and post it back
to us.
Step 3:
Once we receive this pack back, our advisors will determine the best solution
to your debt worries. If this solution is debt management you will move
on to steps 4 and 5.for more information click here.
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If we believe your ideal solution lies elsewhere we will guide you through which ever avenue we believe is most suitable, whilst all the time ensuring you are kept fully aware and updated to any progress we make.
Step 4:
Your financial advisor with Debt Stop Direct Ltd will produce
a detailed picture of your finances, working out based on your income and
expenditure exactly how much you can comfortably afford to pay towards your
debts on a monthly basis.
This figure is extremely flexible to react to any changes in circumstances
you may incur as the programme progresses. You and your advisor will then
agree a payment date, upon which your first payment will be made. As soon
as this payment is made a dedicated team of Creditor Liaison Officers will
make contact with your creditors to get the ball rolling.Apply
Here
They will explain your situation and outline our proposed payment plan.
The aim of this is to get the creditor to accept our proposals and freeze
any interest and charges they are currently applying to your debts, allowing
us to focus on repaying what you owe and not any additional charges.
Step 5:
Your Financial advisor will pass you and your file across to your personal
Client Liaison Officer. This will be your point of contact for the duration
of the programme and if you have any questions or worries this person will
always be on hand to help.
They will build a relationship with yourself and instead of the faceless
communications you often receive, you will have your own officer dedicated
to learning and looking after your finances, and someone you will be given
a direct dial phone number for, to ensure instant access.
It really is that simple, there is nothing more to it! We pride ourselves
on making things as simple as possible and by doing this believe we can
take the stress out of debt. We through years of experience are experts
in managing debt, so by joining us you really can look forward to a debt
free future.contact us for more information
Benefits of debt management:
- You pay only what you can afford.
- We can turn your debts into one single affordable monthly payment.
- Tailor-made to suit you. Our advisers will go through your income and expenditure with you and agree an affordable monthly payment that allows for all your day-to-day living expenses.
- We deal with your creditors We take care of all the paperwork, deal direct with your creditors and negotiate reduced repayment arrangements on your behalf.
- We aim to freeze or reduce interest and charges Our strong working relationships with the major creditors means that we can often persuade your creditors to freeze or reduce interest and charges.
- One single point of contact Once on the Debt Management Programme you'll have your own Client Liaison Manager who is available to give expert help and guidance whenever you need it.
Benefits of an IVA:
- Write off the unsecured debt you can't afford to repay.
- One affordable monthly payment - usually for five years.
- Protects you from further action by your creditors.
- Creditors are legally bound by the terms of the agreement.
- Real alternative to declaring yourself bankrupt.
- No public notices: an IVA is between you and your creditors.
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