|Cut down your monthly repayments||Free yourself of debt worries|
|Clear your other debts quickly||Can reduce interest paid|
Consolidation loansA debt consolidation loan may be the most effective debt solution for you if your debt problems are not that severe, or if you face unexpected financial commitments. A debt consolidation loan can help you to reduce your monthly repayments by moving debts from several high interest sources to one single loan with a lower interest rate. Don't forget that by filling in the form you are not committing yourself to a debt consolidation loan at this stage, merely exploring the options available to you. Once the form has been submitted, you will be contacted by an expert debt advisor to let you know what your new lower monthly repayments will be. If you think that a consolidation loan may not be the solution for you, then click here for information about the Government debt solution called an IVA, or click here for more information about a debt management plan. Whatever you decide, simply fill out one of the forms on the effective debt solutions website and take your first step to freeing yourself from debt worries and reducing your monthly repayments.
|debt management||IVA||bankruptcy||consolidation loan|
|one affordable monthly payment||upto 75% of your debt written off||may provide peace of mind||save on monthly repayments|
|may freeze interest||reduce monthly payments||your assets will be sold to pay creditors||clear your other debts quickly|
|stress free||interest frozen||debts written off||one monthly payment|
|you don't have to deal with your creditors||debts of at least £5,000||usually a last resort||reduce your monthly bills|
|More about debt management||More about IVA's||More about bankruptcy||More about consolidation loans|
Debt consolidation loans explainedWhen you take out a debt consolidation loan you will reduce the amount that you pay each month by paying off your other debts and replacing them with one single, affordable monthly repayment. This is possible because a consolidation loan is secured upon your property, therefore is less risky for the lender. Consolidation loans are not therefore suitable if you are not a homeowner, or if you have little or no equity in your home (ie the mortgage and other secured loans are not less than the value of your property. If you feel that your debt position may improve, then debt consolidation may be the answer. If this is not the case, then an IVA or debt management plan may be more suitable for you. Whatever you decide, and whatever your circumstances, effective debt solutions has the answer for you.
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