Debt Management Programs from We Can Write It Off

If you've ended up here the chances are that you are one of the millions of people in the UK with credit card debt or some other type of debt.

You are concerned about your financial situation and if you haven't already, nearing the point where you can't meet your monthly obligations.

Firstly, Don't worry.

Head in a Bucket of Sand

You are already on the way to managing your financial problems by addressing them, and looking for help, hence why you are here. Everybody when they are in debt, at some point, ignores the problem which is the worst thing to do. So, well done.

Use our debt calculator to determine how much you could save on a debt management program from We Can Write It Off:

We don't want to bore you about how many other people are in your situation, because it's only yours that you care about.

You've looked at our calculator and hopefully thought: "if I could get my payments down, I would be out of trouble". Well that's exactly what we are going to do for you, or tell you straight what's the best thing for you.

Blood out of a Stone

You've heard the expression and we use it everyday negotiating with your creditors.

If you haven't got the money you can't pay them, and that's the backbone of our plan.

At the moment, the people you owe money to are adding interest and charges every day, putting you deeper in to debt. They couldn't care about your situation, they just want to make more money out of you.

The first thing we do is tell you to stop paying them while we look at your situation. We will ask you how much money you have coming in every month. What your essential out goings add up to, such as rent or mortgage. Then we will come up with what you have left over.

This is your surplus income. We then look at your debts.

We tell them you are getting in trouble and ask them to freeze your account while we work out what you can AFFORD to pay them. We ask them to stop the interest and not to add any further charges or take any further action.

We then divide the money you have left equally between them and make them an offer of payment that you can afford. It depends on your circumstances, but they are normally happy if they get 1% of the debt back each month. So, if you owe them £5,000, they would probably take £50 per month.

You pay one monthly payment to us and we distribute the payment to your creditors proportionally. The interest on the debt has stopped, so what you pay actually reduces the debt, and you will no longer worry about making the payments each month.

This can go on as long as you like, we review your account every six months, or if your circumstances change.

Our plan isn't as damaging to your credit as an IVA, and the creditor gets more of their money back so they are happy to deal with us.

Depending on how much debt you have it might be worth looking at an IVA or even bankruptcy, and we'll advice you accordingly.

"Aren't they nice"

We would love to help you out free of charge , but we have to charge a fee for our service. We are up front about our charges with no hidden costs. Our clients find our charges very reasonable for the work we do.

If we negotiate your monthly payment down to £50, £10 is our management fee, so £40 comes of your debt. The first month's payment is paid to us as your setup fee.

For example, if you filled in the online application today, we will process it straight away. Get the forms for you to sign back to you next day. Send them straight back, and within the week we'll write to your creditors. Your first payment will be one month after you sign up, and monthly thereafter.

We speak to your creditors they wont ring you. Any letters you receive from them, forward to us to deal with.

"It says you can write it off!"

We'll show you the best way to reduce your debt and if we can get you in a situation to offer your creditors a settlement , we'll write some off!

We are so successful in negotiating with creditors that if they will accept a reduced offer in full and final settlement of the debt they'll write the rest off.

Here's how it works.

They had you as a customer on their books, paying 17% interest, late payment fees, making loads of money out of you.

Then you start on our plan, the interest stops, they are getting a tiny payment. It's probably costing them more dealing with our letters and handling the payment than it's worth to them.

Here's the important bit : They are no longer making any money out of you.

So they want to get rid of you. You are no longer a good customer.

They can sell your debt to a credit collection agency and write most of it off, or they will look at a settlement from us. We have been able to write off up to 80% of the debt in some cases.

The only problem is that you need some money to do this, which you haven't got at the moment. When the time comes for settlements, we'll do our best to help. Most people find that a mortgage or consolidation loan is the solution.

Our promise

We'll look at your situation and give you the best advice, for you, not what makes us the most money.

We'll make each month affordable and without money worries.

As long as you help yourself, we'll control your debt, and get you debt free.

Maybe you'll sleep again!