If you require a Debt Management Plan (DMP) then you should consider choosing our services first. We have over 20 years experience in this area, and have developed our DMP with our partners in order to offer you the maximum protection available. We also seek to reclaim bank and credit card penalty charges, alongside Payment Protection Insurance (PPI) PPI recovery. Some other DMP providers are unable or unwilling to put this in place. We also check certain loans to see if they can be written off, with access to the leading team of solicitors in this area of law.

Debt management plans may be a good way of dealing with multiple debts when other formal solutions such as an Individual Voluntary Arrangement (IVA) or bankruptcy are unavailable. Debt management plans are informal and involve the repayment of a person's debts in full over a longer period of time. Debt management plans are not binding on creditors and creditors do not have to formally agree to DMP proposals.

This can lead to many creditors continually chasing or harassing people for higher payments whilst they are in a debt management plan, which can result in ongoing stress caused by creditor policies of aggressive collection calls and letters even though legally creditors have a responsibility to act within the law and to abide by rules set out by the Office of Fair Trading and British Banking Code.

We work with our partners to stop collection calls, and harassment from creditors.