What We Do We help solve financial dificulties and help tens of thousands of people get out of debt. Even if you think you will never solve your money problems our expert advisors could help. Here is a list of what we do including details of the way we work. Overview: Offer someone to talk to, understanding, and practical help. Review your situation. Advise on the right debt solution. Deal with your creditors for you. Negotiate to freeze interest and charges. Help with budgeting and reducing your spending. Provide outstanding customer service Act confidentially with our advice and debt solutions Offer someone to talk to, understanding, and practical help. If you are struggling with the monthly repayments on your debts, you probably need help. Having helped tens of thousands of people through money problems, we offer understanding and the help you need to solve financial difficulties. The sooner you discuss your situation the better. Review your situation. We are here to help with your financial difficulties. We will review your personal finances, your loan, store card, credit card, and overdraft payments, and provide you with advice and a debt management solution based on your individual circumstances. Advise on the right debt solution Our experienced debt counsellors are trained in financial legislation and debt solutions. We'll give you the latest debt help and advice. We can help you avoid bankruptcy through helpful solutions including IVA (individual voluntary arrangement), trust deeds, and debt management plans. These make repayments affordable and, in some cases, write off your debt*. Deal with your creditors for you. We will agree a recommendation on the best way for you to beat debt. Then, if you take up a debt solution we will deal with your creditors for you. We will take care of all of the paperwork for you too. Negotiate to freeze interest and charges We will negotiate to try to freeze interest and further charges on your debt, using our years of experience on your behalf. In some solutions, we will seek lower repayments to help you pay back debts at a rate you can afford. If, in future, you come into a lump sum of money, your creditors may accept a reduced 'Full & final settlement' offer, rather than reduced payments. We will negotiate these for our clients also. Help with budgeting and reducing your spending We offer a range of budgeting tools, from our free budget planner to specialist help with bills in an effort to reduce your outgoings. Provide outstanding customer service until you are out of your problems We offer the continuing customer service that you will need to succeed with your debt solution. We follow the DEMSA code of practice in providing you help and advice. Act confidentially with our advice and debt solutions. Our debt advice is confidential. All conversations and correspondence with Debt Advisory Line are treated as private.