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Debt Management Plans

Our debt management service offers free confidential advice to help you find a solution to your financial difficulties. We specialise in clearing our customers’ unsecured debts through affordable monthly payments.

We will allocate you a fully trained personal advisor. Their job is to talk through your current situation and devise a Debt Management Plan to help get you back on your feet. Usually all interest and charges will be frozen, and typically the new payment amount under a debt management plan is half the amount the client is currently paying, but will depend on the individual circumstances.

We can help customers -

  • Who have overstretched themselves with credit cards, loans or overdrafts.
  • Whose monthly expenditure now exceeds their monthly income
  • Who are using credit cards to pay off other debts or to pay for items they previously bought with cash
  • Who have had a consolidation loan refused
  • Whose circumstances have changed due to a divorce, separation, bereavement, loss of job or overtime
  • Who feel like no one is listening

The Debt management Process

Individual Voluntary Arrangement (IVA)

Bankruptcy help

 
 
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-- Debt management Plans. Allow you to make the repayments you can realistically afford once essential living costs have been taken into account. Will depend on the individual circumstances.
-- IVA's. Ideally suited for unsecured debts over £15000. Potentially write off a percentage of the overall debts Debt free within 3 – 60 months Safeguards house & car and avoid the consequences of bankruptcy
-- Insolvency. Working with a specialist in-house Insolvency Processing Team, headed by one of the UK’s leading Insolvency Practitioners.

This service is not regulated by the Financial Services Authority

Flexible-Finance.COM is an Appointed Representative of HL Partnership Ltd which is authorised and regulated by the Financial Services Authority.
The Mortgage information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.