What is Debt Consolidation?
A debt consolidation program is a process that allows a professional agency to reach an agreement with your creditors to achieve the lowest and most affordable monthly payment option needed to satisfy all your credit accounts

How much can I reduce my monthly payments by?
This will depend on how much you are paying at the moment and how long you want to take to repay the loan. But reductions in monthly payments can be as much as 75%.

Can I use the loan for more than debt consolidation?
Certainly. Consolidating your existing credit allows you to free up money for other things. You can borrow extra for that new car, boat or caravan, to pay for your dream holiday or so you can have the new windows or conservatory put in. The choice is yours, as long as you do not over-borrow.

Are my creditors going to continue to call me?
When you signup with a debt consolidation program, the firm notifies your creditors and demand they stop contacting you. It usually takes about 30-60 days for them to stop contacting you. In the meantime, you will keep a creditor log of every phone call or letter that you receive from a creditor and report it to your debt consolidation agency.