One.  We arrange an appointment for you to meet one of our experienced advisors to get a complete picture of your circumstances. We will work with you to find out how much money you have coming in and how much you are spending. A realistic budget should ensure that you can meet all of your ongoing living costs.

Two.  We contact your creditors (if appropriate and only with your permission) and negotiate a way forward. Working from the budget we have agreed with you we will agree a repayment plan with your creditors based on what you can afford.

Three.  If needed, we can assist you in a range of insolvency options. We will carefully explain the options to you and will help you through the process if needed.

Four. Working together, we will support you until you are DEBT FREE, however long that takes.