Debt Management (Call 0800 138 2299)

Drowning in Debt?

Let Chase Saunders throw you the lifeline that you need.

• Make one low monthly payment
• Only pay what you can afford
• We deal with your creditors
• Stop creditor hassle
• Request that interest and charges are stopped

Debt Management is a way that you combine your debts into one affordable monthly payment with a Chase Saunders Debt Management program. Borrowing money in an attempt to clear your debt will only increase the amount that you owe, the only way to clear debt is by paying off your debt with your own money, and a Debt Management program is designed to help you do this.

Debt Management is available for UK tenants and homeowners. We specialise in helping people who are struggling to meet their credit commitments, even if you have adverse credit, a bad credit rating, mortgage arrears, a bankruptcy or County Court Judgements (CCJ's).

Thousands of people already have a Chase Saunders Debt Management program, do like they did and ring the FREEPHONE debt helpline 0800 138 2299 we will do everything we can to get you on to our program and on the road to debt recovery. Call us now.

Debt affects people from all walks of life, when you speak to Chase Saunders about your debts we will never judge you, we have only one aim and that is to put you back in control of your finances. Chase Saunders will be working for you with your best interests at heart and will be with you all of the way suppressing the demands of your creditors.

If you have unsecured debts (loans, credit cards, store cards, catalogues etc) in excess of £2000 and have two or more creditors, we will be able to give you the debt advice you require and a Debt Management program may be an option, if you have debts of £15000 or more it could be possible that an IVA (Individual Voluntary Arrangement) is the best option, ring the Chase Saunders FREEPHONE 0800 138 2299 now, let an experienced Debt Advisor discuss your options and put your mind at rest.

Do not struggle with debt Chase Saunders will have a solution for you our debt / debt management and IVA advice is FREE and the call is FREE 0800 138 2299.

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Frequently Asked Questions

Q. What is debt management?

A debt help programme is a process by which all of your unsecured debts are consolidated into one affordable monthly payment. This payment is shared between your creditors in an amount proportional to their debt. Chase Saunders will help to negotiate this arrangement on your behalf.

Q. Is this a loan?

No. We neither lend you money or pay off your debts. The debt help programme is designed so you can repay your creditors at a monthly rate that you can afford. If you do not make payments into the programme, we cannot make payments to your creditors.

Q. Do I need to be a homeowner?

No. Chase Saunders can help if you are a tenant, homeowner are living with parents/family or your accommodation comes with your job.

Q. Do I have to tell my partner?

If your debts are in joint names with your partner then they would have to be aware of and be included in the plan. If the debts that you would like us to deal with are solely in your name we can treat your account as a single application and your partner would not be informed.

Q. Do I have to be in full time employment?

No, provided you have a surplus of income above what you need to live on you could be eligible to come on the debt help plan

Q. Can secured debts be included on the plan?

No. A debt help / debt management plan will only cover unsecured debts.

Q. What is a secured debt?

A secured debt is a debt secured against property i.e. a mortgage, or any loan secured on your house and car finance.

Q. Do Creditors always accept the reduced offer of payment?

Creditors do not have to accept any offer of payment that is less then the usual contracted repayment. However it is our experience that creditors will accept a reduced offer provided that we can demonstrate that the offer we have made is reasonable and that you are fully committed to repay your debts through our plan.

Q. Will the plan affect my credit rating?

It is likely that your credit rating is already affected if you are struggling and have a history of missed/late or reduced payments. Whilst on the plan you will not be making full contracted repayments to your unsecured debts and this will result in an adverse credit rating.

Q. Will I receive a default notice?

By joining a debt help / management plan, you will default on your original agreement and because of this your creditors would be entitled to issue you with a Default Notice

Q. What do I do if creditors continue to call me?

In the short term your creditors will continue to take action to recover your debts. Do not ignore the calls but advise them that you have appointed Chase Saunders to act on your behalf. You should forward any creditor mail on to us to deal with.

Q. How long will the plan take?

Because a reduced payment will be paid to your debts, it will take longer to clear your debts, this is not an overnight solution. As part of our initial consultation with you, we will provide you with an estimate of the likely time you would be on the plan.

Q. Can I cancel the plan at any time and would I be charged extra if I did?

Yes you could cancel at any time although we would need 4 weeks written notice of cancellation. There would be no cancellation fees payable. Creditors do not have to accept any offer of payment that is less then the usual contracted repayment. However it is our experience that creditors will accept a reduced offer provided that we can demonstrate that the offer we have made is reasonable and that you are fully committed to repay your debts through our plan.

*Subject to status. Conditions apply. Repaying debt over a longer period may increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term. Fees Apply.