Life After Debt

Are you in debt? Do you worry about paying creditors? Are you borrowing off “Peter to pay Paul”.
I was all of the above and decided after years of worry constant letters phone calls and threats to take the bull by the horns and do something about it.
To be frank I was sick of the interest charges, charges for letters, charges for phone calls that were constantly adding more debt, so in reality the payments I was making were worthless and not bringing the debt down at all.
After a lot of research on the internet I came across a lot of companies that would deal with my circumstances this was all good and well with the exception that they all charge a fee. How could this help me if it added more costs to me, in my eyes it wouldn’t. Finally I came across a company called CCCS (Consumer Credit Counselling Service). This company is charitable one dedicated to providing free counselling and money management, assistance to financially distressed families and individuals and therefore have no fees.
I decided to give them a call after all what could I lose after all it was a free phone number. They asked my details ie: wage, other income, debts, debts amounts outstanding and to which companies and then they did an expenditure breakdown ie rent , council tax, etc.
The initial appointment was to asses my financial status, this all took around 40 minutes, I was then given an appointment with a debt advisor, this  telephone appointment was within 48 hours of the initial phone call and they rang me.
The debt advisor  rang and  after going through my circumstances I was given three different avenues to choose from all of which would be to my benefit.
Which option I choose was up to myself, I choose to go with the debt management plan to which I would agree for the CCCS to liaise and pay my creditors a nominal sum each month. The amount was agreed between myself and the CCCS I would have to pay the CCCS an agreed sum each month all of which would go to pay my creditors taking the stress away from myself.

I felt instant relief as I would no longer be dealing with the creditors directly, interest charges would be frozen and it would be an end to the constant letters and phone calls which incurred extra charges. I am just sorry that I had not done this years ago. If you need help ring them on this number Telephone number  0800 138 1111and see what they can help you with, open from 8am - 8pm Mon - Fri. Good luck.

E.C Carrbridge Rd Woodchurch