* They can help you to consolidate all your unsecured personal credit. For example, loans, credit cards, store cards, overdrafts catalogues etc. If you have priority debts such as council tax, rent or mortgage arrears we shall make allowances within your monthly expenditure for the repayment of these.

How much will I have to repay each month?

* Your dedicated advisor will assess your finances and agree a repayment that you can afford. This could be much lower than you are currently paying.

Will I be repaying over a longer period?

* In the case of "Debt Management" the debt and the period over which it is repaid may increase. This is due to them negotiating reduced repayments on your accounts therefore, taking longer to repay. They could also be able to get your interest and charges frozen utilising an IVA, in which case the repayment period may be reduced.

Will they freeze interest and charges being applied?

* Due to the way they charge, clients benefit from the services of a debt management company like DebtLine Direct as they only charge a set fee. Not a percentage of your monthly repayment. This means more of your money is sent to your creditors each month which in turn reduces your balance in a shorter period of time.
* This helps them to get your interest and charges frozen or reduced drastically!
* There are no guarantees with unqualified financial advice.

Any person that states they can freeze interest and charges on personal debts immediately without entering a client into an Individual Voluntary Arrangement (IVA) is not being honest with you.