Advice On Your Debt Problems
Approved Debt Solutions
Free Debt Assistance Guide




Free Advice On Your Debt Problems:
Detailed Guidance On How To Pay Down Debt





Approved Debt Solutions - About This Site

Congratulations! You have found one of the few sites on the internet that will give you genuinely unbiased advice on how to deal with your debt problems.


Which Approved Debt Solution Is Best For You?

Go Straight To The Options For Dealing With Debt


My aim is to offer you advice on your debt problems by giving the low-down on all the main options available to you for getting rid of debt, including how to make sure you find the best debt companies to help you. Use this site to give you the information you need to help you make informed decisions about which of the various approved debt solutions out there are most likely to be the best for your particular situation.

An important point about this site is that I do not work for any debt company so I have no obligation to push any particular product or company. For debt solutions which involve using commercial debt advisors and lenders, I will provide a selection of recommended companies for you to choose from, all of which are the most reputable and well established organisations.

Advice On Debt Problems For People In The UK and The US

Advice on this site is aimed primarily at both UK and US residents, though most of the principles involved are relevant whatever country you live in. Where there are variations in law or procedure depending on where you live, I will try to point this out and explain any differences. Where any recommendations are made with regard to companies or further help, I always try to find represenatives who can help both UK and US citizens.

Approved Debt Solution:
Free Guide To Negotiating With Creditors

While you can find information on lots of alternative ways of tackling debt on this site, one of my main aims is to show you the step by step guide you can follow to get out of debt on your own. While there are many options which involve the help of professional debt advisors or lending companies, some people may feel they would like to tackle debt negotiaion themselves. My guide will explain the main principles involved in assessing your finances and making offers to creditors.

If you want more detailed advice on how to reach settlement agreements with credit card companies and other creditors, you can also refer to the Learn Debt Negotiation page, which recommends various guides that provide much more detailed instruction.

I also want to give you the low-down on some of the alternatives that you may have heard of, such as debt management, debt settlement negotiation, debt consolidation loans and IVAs. I will explain exactly what each of these involves and point you in the right direction if you then decide to pursue them further. An IVA or a Debt Management Plan may well turn out to be the best approved debt solution for you, but you need to understand the pros and cons first, and for that you need advice from someone who has no vested interest in which solution you choose.

Advice On Facing Up To Your Debt Problems

Do you feel that you have lost control over the amount of money you owe and can't see how you are ever going to pay down the debt you have accumulated? Rest assured that no debt crisis is impossible to resolve, and the most important thing is that you are now looking for help and advice.

It is easy to look around you and see other people apparently doing OK, which makes you feel like you are the only one with this problem. You are not! There are over two million people in exactly the same situation, and with the right advice on your debt problems you can find the most appropriate debt solution for your own situation.

Most of us are in debt to a certain extent - it has become the norm in the world we live in. Debt in itself is not a problem, provided it is within our means and we are managing to pay it back.

This site is primarily concerned with the times when our debts have gone beyond the point at which we are in full control of them and can manage to make all the repayments on what we have borrowed. If you are not managing to pay down your debts, then you will benefit from reliable advice on how to deal with your debt problems by finding the best approved debt solution.

You will also find very useful advice and information in the Money Saving and Budgeting sections of this site, including free budget sheets and how to get a free credit check.

This is no time to feel embarrassed or ashamed about being in debt. Lots of people have exactly the same problem and for most people it is through no fault of their own. The first step is to face up honestly to exactly what you owe. As well as being the first step on the road to debt freedom, getting a clear and honest understanding of your situation will also help when you come to moving forward with the appropriate debt solution.


Which Approved Debt Solution Is Right For You?


What To Do Next - Choose From the Following Options:


Debt Management (UK and US)

This involves setting up a Debt Management Plan, also known in the US as debt management programs or debt consolidation.

Main Points:

Find Out More About Debt Management.



Debt Settlement (US Only)

Widely used in the US, the equivalent in the UK is an IVA (see below)

Main Points:


Find out more about Debt Settlement



IVAs - Individual Voluntary Arrangements (UK Only)

Main Points:

Find out more about IVAs.



Learn How To Negotiate Debt Settlement Yourself

If you have serious debt and want to reach settlements with your creditors without having to pay a professional company to do it for you, you can try to do the negotiation for yourself.

You are unlikely to be able to do this successfully without some advice and guidance, so visit the page on negotiating debt settlements to find out more.



Borrowing Money To Pay Off Debt - Debt Consolidation Loans

Main Points:

Find out more about Debt Consolidation Loans.



Bankruptcy

Main Points:

Find out more about Filing Bankruptcy.



Remember - no matter how bad your debt problem is, there is an approved debt solution to suit your needs that will ultimately result in you being debt free and taking back control of your life. Getting rid of debt and then staying debt free may take some time and discipline on your part, but that is a small price to pay compared to the stress and anxiety of a serious debt crisis. I very much hope the advice on your debt problems that you find on this site will be useful and help you to take the first steps back to financial health.







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