Divorce Management Plan
Finding yourself in a large amount of debt, whether through over-spending on your credit and store cards or other unsecured loans can leave your finances in a mess. Although it may not be entirely through your own fault e.g. sudden un-employed or unpaid sick leave can leave you with uncontrollable debts.
So what do you do in this situation?
Firstly, and most importantly don't stick your head in the sand. By acknowledging that you have a debt problem will start you off in the right direction.
The first thing you need to do is calculate exactly how much debt you have and then work out exactly how much you can truly afford to pay each month. If for example you cannot afford to pay off, even the minimum amount, on each of the unsecured loans and credit card debts each month then you may need to seek the help of a debt management counsellor.
The counsellor will sit down with you and discuss how much you can pay and they can then negotiate with your creditors a new repayment plan relative to what you can genuinely afford to pay. This is normally done through a Debt Management Plan (DMP) and is typically used when your debts are below £15,000. However, this option may not be possible if one of your creditors is not happy to take on the reduced payments.
The advantages of debt management are:
- You make one monthly payment, which is then split, between all your debts.
- The debt counsellor will handle all communications between you and your creditors
- You won't receive late payment fees because all transactions go through the debt management programme, and it may also be possible to stop interest on your debts.
Look for an organization that offers a range of services, including budget counseling, savings and debt management classes, and counsellors who are trained and certified in consumer credit, money and debt management, and budgeting.
Due to the tremendous demand for debt consolidation services the United Kingdom is now overloaded with debt management companies that contain misleading information.
Conclusion
If you have debt related problems and you can't come out of it by yourself you can very well seek the help of a professional debt management service company. A debt management plan will help you consolidate all your unsecured debts into one AFFORDABLE monthly payment. However the real secret of debt management is making a plan and sticking to it.
Paul Hockney is an online debt expert who provides IVA Company advice.
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