People get into debt for a number of reasons, in most cases it is not because they have been reckless or even careless but, is often the result of a change of circumstances such as: loss of income through job changes, divorce or separation, illness and other life changing events. Most of our clients contact us after attempting to keep up the repayments for a long period, but without success.
There usually comes a point when they realise that they have to take some drastic action or they will never see an end to the phone calls and letters from the people they owe money to. Their debts are often increasing on a daily basis with added interest and charges and their payments are not actually reducing the balance.

A debt management plan will put you back into control without borrowing more money (experience shows that this can just make things worse). With only one payment to make and a realistic chance of getting your interest and charges frozen and no fees taken out, your debts will be repaid as quickly as possible.

The Integrated Financial Services Advantage

A single affordable monthly or weekly payment - made at the most convenient time for you (eg just after you have been paid), which allows us to pay all of your unsecured creditors.

No set-up costs or monthly fees - unlike some debt management companies who charge an initial set-up fee in addition to a monthly fee, we do not charge fees for debt management plans.

Helpful, friendly and knowledgeable staff to assist you with any problems or worries - many of our staff have experienced debt problems themselves so they handle your enquiry with genuine empathy and understanding.

The best possible chance of freezing interest and charges - while we cannot guarantee to get interest and charges frozen, we do have excellent relationships with a majority of the credit industry who recognise just how beneficial our service is. Many creditors are now refusing to deal with fee-charging debt management companies because they feel that individuals in debt cannot afford to pay for such a service.