What is debt management?

A debt management programme is a repayment plan that's specially designed to reduce your monthly debt payments and get you out of debt as fast as you can realistically afford. The plan is based on your affordability and leverages existing government legislation to ensure that you are left with payments you can make.

• We will negotiate with lenders on your behalf, ensuring that they accept lower monthly payments

• We will handle all communication including phone calls and letters to and from your lenders

• All that you have to do is make one affordable monthly payment, and leave the rest to us at the credit wizard

Secured Debt consolidation loans

	Low APR’s		Terms From 3 to 25 years
	No Proof Of Income		Fully Qualified Advisors
	One Low Ronthly Repayment		CCJ’s Defaults Arrears Accept

Secured Debt consolidation loans are typically available from around £5000 upwards and over 3year to 25 years. In contrast to an unsecured loan, a secured loan can only be obtained from a lender by a borrower if they have their own home with enough free equity to offer as security. A secured loan is seen by lenders as being a much lower risk option for them than its unsecured cousin since the borrower agrees to guarantee the repayments by putting their primary asset at risk if the monthly repayment schedule is not maintained.

Unsecured debt consolidation loans

The advantages of unsecured debt consolidation loans:

• Reduced interest rates

• Reduced monthly payments

• Single loan to repay unpaid debts

• No more harassing calls

• Expert advice to take care of consolidation loans

Debt Advice from The Credit Wizard.....

The stress of mounting debt can leave you feeling isolated with the credit wizard you are never alone.
People just like you all over Great Britain are currently facing the debt problems. You don’t have to face the burden of this financial pressure on your own.

The Credit Wizard is on hand to offer specialist tailored debt advice. We can help you tackle the problem with a debt solution tailored to suit your own specific circumstances. After all, debt is an all too common problem these days but it needs an individual tailored solution and the debt help available from The Credit Wizard reflects this. We know you want to solve the problem quickly but the debt solutions offer no quick fixes. They are fully comprehensive, take advantage of government legislation so are therefore lasting and thorough. We can help you get out of debt as quickly and safely as possible and stay out of debt permanently.

Secured And Unsecured Loan Options At Low APR’s

	One Low Monthly Repayment		Any Purpose Loans
	No Proof Of Income Needed		Low APR
	CCJ’s Defaults even arrears Accepted		Professionally qualified advisors

The Best Free Debt Consolidation advice

Debt consolidation can be the right option for many people who feel they need professional help in gaining control of debt. Consolidating all of your debt payments into a single manageable monthly payment can be very appealing.

So exactly what is debt consolidation?