Welcome to Debt Solution 4 U

Never ignore your debts. You will make the matter worst. If you own a property, please ensure that you keep up with the mortgage otherwise you may lose your home. Ensure you keep up with your council tax, utility bills, fines etc to avoid any further debt problems. Check how best you can sort your debts without getting into further difficulties. Obtain information from several different companies to ensure you are getting the right advice. If you are getting the same advice then you know you are on the right track.

Remember even when you are in debt, companies are still after your business. Check out their charges and management fees. Ask how long they have been in the business, how many clients they have and any other general information that you may think will help you to make the right decision.

If you own your property, check what is the market value. Be prepared as most companies you approach will ask this question. The reason they need to know the current market value of your property is to work out if they can offer you secured loan or a second mortgage.

If you consider secured loan or second mortgage. You must remember that you could end up losing your home if are unable to keep up with your mortgage, second mortgage or secured loan repayments. Your creditors may also put second charge on your property.

Keep contact with your creditors. Do not ignore their phone calls or communication. Reply straightway. Keep up to date records, file all documents methodically. Ignoring correspondence, telephone calls, communication is wrong and especially from the court. County Court Judgements in such cases are therefore issued by default. Please keep a note what you said and done.

If you change your address make sure that you up date your creditors with your current address. Be on the right side. Prove them that you are not ignoring the matter and doing everything right to solve your financial problems.

Check if you are entitled to any benefits, claims or tax rebate.

If your offers of payments are accepted then you are perusing the matter correctly. If your offer is rejected, do not get dishearten. Call the creditor, there is no harm in asking for clarification, it may be an oversight, they may require minimum payment, not meeting their criteria or you might not have returned their cheque books and other related documents for them to accept your offer.