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Debt
Consolidation
  • We will negotiate for you a lower monthly
    payment that you can afford
  • Stop paying high interest rates, start
    repaying your debt instead
  • Fill out our application form right now and
    say yes to a debt free life
Find out how to reduce your debt today!
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Deal with debt
Deal with debt
The global recession is affecting everyone, and many people are finding it harder and harder to deal with their debt...
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Debt in the UK
Debt in the UK
Just in 2008, there were over 13.5 million working days that were lost by people who had to take off for stress related illness...
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IVA and Utility Bills
IVA and Utility Bills
A common question out there when trying to figure out what to do about debt these days is whether or not you can...
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Debt Consolidation Case Study
Debt Consolidation Case Study
The problem facing the couple was the debts that they were having to service. Mike's basic salary just about covered ...
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Prioritise Credit Card Debt
Prioritise Credit Card Debt
If you are having problems with credit card debts or if you simply want to make a move to pay off what you owe here because...
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Tax Determination
Tax Determination
The HM Revenue & Customs (HMRC) in the United Kingdom is responsible for all of the tax returns that are filed.
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Debt Consolidation
The likelihood would be that you are paying a much higher interest rate on the credit card bill every month than on the mortgage. If you then contacted your mortgage provider and borrowed £10,000, adding £10,000 to your mortgage, you could then pay off the credit card. That would be debt consolidation. You are no more or less in debt than you were before, but the cost of servicing that debt will have fallen, making it easier for you to work towards paying off your debts sooner.
  • Normally, it is not just one or two people, that someone is in debt to. They may owe money to the bank (mortgage or overdraft); credit cards; store cards; friends and family; council tax; landlords etc. ClearDebts.co.uk can help you. Firstly, we will look at your income and help you decide where to allocate that money best. Some debts may have really high charges, and some debts may have serious consequences if you do not pay. These decisions are not easy, but we help you to decide.
Then, we will look at how much money you would need if you wanted to pay off, in full, all the people to whom you owed money. Then we see how much spare income you would have left from your salary and all fixed costs such as your mortgage or rent, your food and heating bills etc. This will show how much income you have to service a debt consolidation loan and we will be able to work out how much money you can afford to borrow, at what interest rate, and over how long.
  • We will then be in a good position to be able to find someone to consolidate your loans, knowing that you have the finances to pay off the monthly payments.
Debt consolidation can be an extremely quick and effective way of dealing with debt, especially if you have many debtors. It immediately releases you from the burden of having to find money at many different times of the month to pay lots of different people. You get one monthly bill which, most importantly, you know how much it's going to be and that you can afford to pay it.
| Serious Debts | Debt Counselling | Debt Consolidation Program | Debt Consolidation calculator | Debt Consolidation Case Study | Debt Consolidation Companies | 30 days grace from debt collectors |
| Loans | Mortgages | Debt Consolidation is a Bad Idea | County court claim - what to do | Move abroad - will all debts be written off | Interest free deals can get you into debt |