Over 100,000 people every year in the UK have debt problems and need to look for help to get them back on track.

Debt Management Plans (or Debt Management Programmes as they are sometimes known) help individuals who are struggling with debts to reduce their monthly expenditure and make one single and affordable monthly payment.

It is possible for individuals to self-manage their very own Debt Management Plan. You need to contact each and every creditor you have and explain your financial situation to them. You then need to ask them if they are willing to renegotiate a new monthly payment that you can actually afford over the coming months. Self management of a debt plan is extremely time-consuming and a very stressful step to take. It is made even more difficult if you have debts with a large number of creditors. Also, as you probably aren't a trained negotiator you may well be unable to negotiate the best deal for yourself from each and every organisation you owe money to.

Debt Management companies such as Debt Advisory Line who were awarded "Debt Management Provider of the Year 2008" are often the preferred choice for many people as they negotiate with everyone you owe money to. Having spoken with you  about your circumstances (including who you owe, what amounts you owe each creditor, what money you have coming in, etc), Debt Advisory Line will then distribute your pre-agreed affordable monthly payment to your creditors on a pro-rata basis. This means that the creditor you owe the most money to will receive the largest proportion of your disposable income and they creditor you owe the least to will receive the smallest percentage of available monies.

Don't forget that Debt Advisory Line is often able to negotiate for interest payments to be stopped with creditors.

Benefits of a Debt Management Plan

- One affordable monthly payment
- An end to constant demands from creditors
- A dedicated point of contact if and when you need to ask questions
- No need to deal with any creditors as we deal with them on your behalf

There are lots of benefits from our debt management solutions, almost of all of our clients state that they have "peace of mind" and can carry on with their everyday lives knowing that their creditors are being dealt with by a professional debt management company.

With our multi award winning Debt Management Plans we aim to help you repay your debt in the shortest time possible, without unwanted hassle from creditors. Don't bury your head in the sand, speak to one of our friendly debt experts and receive expert advice, we want to help you regain your financial freedom.

There are over 150 Debt Management Companies in the UK and Debt Advisory Line was voted the best Debt Management Provider of the Year in 2008, Debt Management Provider of the Year in 2009 and shortlisted for the Debt Management Counsellor of the Year in 2008. With years of debt management knowledge and experience you can be rest assured that Debt Advisory Line is the right debt solution company to help you manage your debt.

Over 95% of our Debt Management customers would recommend their friends and family, "I  can recommend their service to any-one so if you feel you can't cope or just want some advice give them a call, I'm glad I did." John, Customer Service Officer, Bradford.

For an Online Debt Advice Assessment Simply Complete Our Debt Management Advice Form Now!

"Debt Advisory Line offer a first class service. I would highly recommend anyone who feels debt is a serious problem to contact the Debt Advisory Line. I feel like a weight has been lifted." Daniel from Leeds.

Call our National Debtline on 0800 157 7254 for professional debt advice.