Settle-My-Debt:
The Debt Help Experts

The credit crunch has not only hit UK consumers, it also has hit UK lenders. Over the last 10 years, banks have enjoyed huge profits by lending without enough regard to who they lend, and how much they lend. They now find themselves facing large amounts of unpaid debt, often running into billions. They are trying hard to recoup as much as they can in the shortest possible time, hence a reduced lump sum payment is often accepted.

Our negotiators are experts in the complex field of personal finance and are up to date with all the latest legal developments in debt help. We are in the strongest possible position to negotiate on your behalf and, once you are on board, we will completely handle the relationship with all of your creditors until we get you debt free. The lenders know us and trust us, as we have a large client base and an excellent reputation.

We work with you and your creditors to create a personal affordable monthly payment plan. Part of your payment goes towards servicing your debt and the rest is used to build up a lump sum which we then use to agree a full and final settlement figure. This is typically 25%-50% of the money you owe, providing a fantastic advantage to our debt assistance and credit card debt help.

All you have to do is simply pay one affordable monthly payment and we do the rest.

If you have missed payments or applied for loans in the past, both of these appear on your credit history, so it is very likely that your credit rating is already affected by your debts. While you are on the plan, your creditors will have accepted a reduced monthly payment and they won't want you borrowing any more. They will issue a default notice to warn other lenders that you are on a debt management plan.

We advise that the best way to improve your credit rating is to be out of debt as quickly and as cheaply as possible. Once you are debt-free you can start to build up your credit rating again.

We will save you around half of what you owe, sometimes more, depending on age, employment and which creditors you have.

If you owe £10,000 we estimate to get you debt free for £5,000

If you owe £40,000 we estimate to get you debt free for £20,000

Our fees are included in your payment plan - we do not take a fee until we settle the debt for you. There are no additional hidden costs.

For example:
If a client is on the plan for 36 months, we take the first two months towards costs in setting up your account. Thereafter we only take a fee when we make a settlement that saves you money.

If you owe £10,000 and we settle the debt for £4,000, we take our fees out of that settlement figure given to the creditor - if you like, they pay! We work on a no win, no fee basis when we provide credit card debt help and debt assistance.