free credit report UK from ExperianThe moment you realised that your personal debt repayments totalled almost as much as you earned each month you decided enough was enough.

With Christmas having been and gone it’s time to get your life in order!

So you sat down, worked out exactly what you owed to each credit card, store card and personal loan and set about with a new found determination that every new year brings to sort out your finances once and for all.

  • Step 1 – Review current financial situation

Not being an expert in negotiating with large multi-national corporations you decided that it would be a good idea to get in touch with some experts, so armed with your financial review you sensibly booked in with the Citizen’s Advice Bureau to ask their opinion on your next steps.

The advisor at Citizen’s Advice was helpful and you got some reassurance that your initial steps were on the right lines.  You had worked out what you owed to each creditor and the advisor helped you work out the priority for repaying each debt.  You also got some tips and were pointed to their website on some tips to deal with creditors.

Armed with your new found knowledge you set to writing letters to your creditors outlining your difficulties, stating what you could pay and asking for some consideration in agreeing to this new revised schedule.  To your dismay all that came back was a stream of standard letters (created by a non-human) and a request for you to either fill in a form or phone them up to discuss your situation further – hadn’t they actually read your letter and considered what you were asking?!

Not wanting to be defeated and armed with a list of telephone numbers and letters received from your creditors, you continued with your quest.  Three calls in and it was proving to be slightly more difficult than you thought.  The ‘nice and friendly’ customer services agents that you normally were connected to had been replaced with a sterner, forceful and more abrupt advisor who seemed intent on getting you to agree to repaying more than you could afford and taking instant payments over the phone.

  • Step 3 – Gain agreement to changes to your debt repayments?

The first thing to say is that all is not lost!

By completing steps 1 and 2 you are already in a much better position than many other people in the same personal debt situation as you.  By understanding what you owe, who you owe it to and the priority of your debt repayments it makes it much easier to seek help.

At Lewis Alexander our dedicated debt management specialists are uniquely placed to provide professional advice, guidance and ultimately provide solutions to your personal debt problems.  All it takes is one free call to 0800 018 6868, our lines are open   24 hours a day.

We can talk through your situation, listen to the concerns you have and start working on a solution with your creditors that takes the stress and pressure away from you.  The majority of our clients have fallen into difficult circumstances through no fault of their own and as long as you have a regular source of income and a genuine determination to keep to a revised debt repayment plan then we can help.

Call Lewis Alexander today on 0800 018 6868 and start to clear your personal debts whilst also stop fearing every telephone call or knock at the door.  We have helped many people in debt who want to change their lives and we strive to provide a great service to our existing clients.  You can read what our clients think of us at our client testimonial page.

  • Call us now using free phone 0800 018 6868 and make 2011 the year you got your finances back on track!
Find us on Google+
Find us on Google+