Background Personal debt levels are at an all-time high and interest rates are currently rising. Britain, for example, has over 75 million credit cards in operation, and consumers struggling with mounting repayment levels often see extra borrowing as their only option. Wrong! Moneyplan can help you pay off your existing debts at an affordable rate without increasing them.
	How do we do it? We will review your finances to confirm how much you can actually afford to pay your unsecured creditors. To do this, our advisors must take into consideration the most important aspects of your budget – your priority expenditure. That is your mortgage or rent, council tax and other household bills, everyday living expenses, food, clothes, your car and other travel expenses. These priority expenses are then subtracted from your income, leaving your disposable income. This will be an affordable and realistic figure that is available to pay your creditors.
	Then what happens? If you allow us, we will then contact your creditors and negotiate a monthly repayment based on your disposable income. This amount is paid to us on a monthly basis for distribution to your creditors; all your outstanding debts will be repaid from that one affordable payment. We also ask your creditors to freeze interest and charges, so even with low repayments, the balance is still reducing every month. Later on, if your circumstances allow, we can negotiate full and final settlements which could mean up to 70% of your debts being written off.
	How does MoneyPlan’s service work? To see if we can help you, one of our nation-wide team of fully trained advisors will visit you, in the comfort of your own home to carry out an in-depth financial review. Once your advisor has assessed your situation they will be able to tailor our service to your circumstances and explain exactly how it all works. This meeting is completely free and without any obligation, however if you decide to ask us to help there are some fees involved, but we will structure payment to suit your circumstances. We understand that your debts are a major cause of worry and concern to you and we will do everything possible to relieve you of the stress and pressure you are experiencing.
	Do I need to do anything? No. We will provide you with all the help and guidance necessary and you will no longer have to deal directly with your creditors. MoneyPlan’s customer services team will handle all post and telephone calls, removing any stress and worry.
	What next? Click on the buttons below to make an appointment with one of our expert advisors or use the bar at the top to find out more about us.

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