Your Personal Finance Manager will complete an income and expenditure assessment and determine how much disposable income you have to pay off your unsecured credit

Your Personal Finance Manager will contact your creditors and try to negotiate freezing interest charges, late payment charges and agree on a smaller monthly amount to pay

Your single monthly payment will be distributed amongst your creditors and the debt management company will deal will all letters and phone calls from your creditors for the duration of the plan.

A regular review will be conducted, if your circumstances change, the debt management company will renegotiate your payment plan