Do you need debt consolidation help and advice to clear personal debts in the UK?

Take direct debt consolidation advice and help from a licensed debt consultancy service by calling our Lewis Alexander debt helpline in absolute confidence which is free to call from most UK land lines, mobile call costs may vary!

• Call today using 0800 018 6868
• Help is at hand if you are struggling with personal debts!

Whether you are struggling with store cards, credit cards, personal loans or anything else we have the means to help you get out of debt for good. The vast majority of people in the UK are in some kind of personal debt these days. The days when everyone only ever dealt with cash and their salaries were paid in brown envelopes are long gone.

• Debt in itself is not a bad thing, for example, how would most of us ever afford to buy a home without a mortgage?
• It is how we deal with, control and clear personal debts that makes the difference.

A change in personal circumstance can have a huge effect on how we manage our debts and is a main reason why people get into trouble with their personal finances.

We have a mission to financially empower consumers to regain control of the quality of their lives through financial education and debt management online!

• Debt becomes a problem more often than not because something in the individuals’ life has changed.
• Most reasonable people do not take on credit when they know they cannot afford to repay it.

Relationships end, people get sick, work life changes, people have children and any one of these or many other life changes can have enough effect on finances to result in debts becoming too much to handle.

The following groups of people we find are particularly vulnerable to getting into debt problems and then require help from a personal debt consolidation service.

• Single parent families
• People who have been made redundant
• Couples going through a divorce
• Retired workers
• The Armed Forces
• People in poor health
• People with a disability
• People who have suffered a recent bereavement in the family
• People alone in debt or people who cannot share the problem with a partner

Do you see the signs that personal debt is starting to take over your life?

• Are you struggling to pay everything each month?
• Are you starting to miss payments on your credit cards?
• Do you have mortgage arrears?
• Is your bank account always relying on the overdraft facility?
• Are you using credit to pay credit card bills?
• Are your household bills being paid for with a credit card?
• Are you receiving more and more letters and phone calls from your creditors?

If you are answering ‘YES‘ to most of these questions, it is time to get personal debt consolidation help or advice.

There are a number of options and debt solutions available to help people out of debt.

Due to this, we like to have a discussion with people to find out what type of debt consolidation help would be best suited. Every situation is different and therefore requires a personal and tailored debt consolidation solution.

Take a minute to call 0800 018 6868

• Find out if Lewis Alexander Financial Management can help you to start to clear personal debt!
• Call our debt helpline today in confidence using 0800 018 6868.
• Calls are free from a UK land line but mobile call costs may vary.

• Do you like the option of using a credit card to pay for things?

That’s not surprising as there are many benefits from using a credit card. Credit cards generally offer a secure way to pay for things all over the world, on the Internet or over the telephone with a built in level of financial protection that rivals all other ways of paying.

• Most credit cards offer some sort of guarantee for purchases made online for example.

The BIG drawback for a lot of people when using a credit card, is then having to pay that money back at a later date, often resulting in interest charges that make the purchase more and more expensive. This can lead to people needing debt help as a result, they also often get refused loans due to late payments on credit cards.

Now there is a solution for people who do not want to have a credit card bill to pay each month but want to enjoy the benefits a credit card offers. Instead of the ‘Buy now, pay later‘ option there is now the ‘Pay now, buy later‘ option.

• Pay now, buy later’ rather than ‘Buy now, pay later’ with the Cashplus Mastercard

The cashplus card can be used anywhere a normal Mastercard can be used and can be used to pay for anything a normal Mastercard can be used for, holidays, clothes, gadgets or anything else.

• How does this work?

The way it works is very simple. You pay money into your account or ‘load up’ your card which gives you an available balance on your card which you can then spend in exactly the same way you would spend on a normal credit card except that when you use this card, you do not get a bill at the end of the month because you have already paid up front.   These prepaid cards are excellent if you have been refused a basic bank account.

• “This would be great for me but I need debt help at the moment”!

If you think you would like to apply for a cashplus card but feel your current personal debts need to sorting because you are worried about your financial future, then we can help you get your personal debts in order through our debt management UK solutions.

• Debt management
• Debt consolidation advice
• IVA or Individual Voluntary Arrangement
• Trust Deed in Scotland

We offer personal debts help to anyone who needs it or feels they should clear debt problems that are or have been mounting.

• For more information about the cashplus card then give us a call free from a landline today using 0800 018 6868.

• Personal debt advice from people who want to help

When giving people advice about how to deal with their debts, we first have to ascertain what your current situation actually is. Once we have spoken with you we will have everything we need to try to work out a personal debt management plan for you with the goal of getting you back to financial strength.

As with all of the things we experience during our lives, debt management can be difficult if we do not have the best advice and guidance available to us to aid us in our choices. These choices are what form the basis of our future, so getting them right is very important if we want to be clear of debts long term or even just get back to be being in financial control again.

At Lewis Alexander we are proud of the debt help we offer to people in personal debt who wish to clear debt for good. Obviously, the bigger the debts, the longer the debts can take to clear. This does not mean you have to struggle whilst clearing them though.

• STEP 1 … Recognise that there is a problem

• STEP 2 … Get the best advice available and formulate a plan of action

• STEP 3 … Implement your debt management plan and stick to it

If you manage to get to the end of all three of these simple steps, you will have your debts under control.

People who have successfully cleared their personal debts and have come back to give us their feedback have pointed out some of the things that were issues for them. Some of the things that can cause serious stress for you if you are in serious debt can often be solved with one phone call from us as we usually know from experience the best way to deal with the problem.

Some of the common problems faced whilst i  personal debt are,

• Not being able to get a simple bank account

• Having to fend off phone calls and letters from creditors

• Knowing how to go about repairing your credit rating

• Knowing how to deal with a CCJ or default

• What do I do if you think someone has tried to steal your identity

Very often, people feel very isolated or alone when they are struggling with debt and we know that all kinds of people find themselves in debt for all kinds of reasons.

Doctors, Soldiers, Secretaries, Lawyers, Cleaners, Traffic Wardens, Police Officers, Shop Keepers, Chefs and Social Workers to name but a few can find themselves in debt because of an illness, an unexpected redundancy, an untimely death in the family or even something like an interest rate hike from the mortgage lenders. Whatever the reason and whoever you are, you need not feel isolated or alone, we could be able to help you right now!

• Asking for debts help from experts is not a weakness, it’s a strength.

Get advice available to enable you to manage your debts. We can advise on anything to do with debt management UK, debt management, IVA, refused loans or any other personal debt problems.

All you have to do is call 0800 018 6868 free today from a land line and one of our trained advisors will gladly discuss your debt support concerns and will give you confidential debt advice.

• Don’t wait till things have become too difficult to sort out before you ask for debts help.
• Our trained advisors could help you long before it becomes a crisis.
• Getting that debts help early is the best way to ensure the debt does not control you in the long term.

UK debt help is available online, do not suffer alone!

• If you need a new bank book you know to go to your bank!
• If you need a prescription, you know to go to your doctor!
• If you need your car fixed, you see your mechanic!

It might not be quite so obvious where you ought to go when you are struggling with your personal debts. A situation has now arisen where there is so much conflicting information about debt help that the vulnerable consumers who are right in the middle of a debt crisis are more confused than ever about how to proceed.

Debt can be very complicated to sort out and as such requires experience to work through it in a way that ensures the best chance of ending up clear of debt afterwards. Because personal debt tends to be an accumulative or compounding problem that has built up over a period of time, the emphasis or priority to repay can sometimes be placed on the wrong debts and therefore priorities can become obscured. In general terms, the most important debts are the ones that can get you into trouble with the law or those that can result in you losing your home for failure to make repayments. High interest bearing unsecured debts are also important to try and clear after dealing first with any secured debts.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT!

We have all heard the above on countless debt advice adverts on television and on untold other media publications when it comes to taking on new loans etc. They say this because it is a real risk if you do not meet your agreed repayment schedule.

No-one wants to lose their home so this has to be the priority when dealing with and trying to clear debt. We offer several solutions and ways to deal with all of your personal debts, some informal and some formal. We will assess your situation and recommend the ideal way forward for you such as;

• Debt Management
• Debt Consolidation
• IVA or Individual Voluntary Arrangement
• Scottish Trust Deed (an IVA in Scotland)

We are determined to help as many people as possible get through their personal debt problems. People from all walks of life get into trouble with their finances but some of societies specific groups as follow, have a more difficult time coping with low incomes which can result in debt problems.

• Single parents and debt
• Debt after retirement
• Debt because of divorce
• Debt and people living with a disability

For immediate help with your debts call 0800 018 6868 today in confidence!