What is Debt Management?
A Debt Management plan is a process where we negotiate on your behalf the lowest payment necessary to satisfy all the people you owe money to. The great news is that we have years of experience in dealing with such companies and can take the hard work out of securing a lower payment for you. Find out more below or get in contact with us today for free.

How can Fresh Finance help?
We are an established, professional Debt Management company who will negotiate with your creditors on your behalf to lower your monthly payments. If we manage to agree lower payments to your creditors then you in turn make one low monthly payment which we distribute evenly to your creditors.

If you are accepted onto our debt management plan then your monthly payments will be reduced to level that is affordable to yourself. Once the creditors are paid regularly, you will receive a receipt confirming the amounts paid to them.

Once your creditors recognise you are entering a Debt management plan, they are usually willing to extend favourable terms to you. Your creditors will want to avoid the expense of declaring you bankrupt or having your account turned over to a debt collection firm.

How do you charge for your services?
Unlike many of our competitors, we won’t charge the typical 20% monthly management fee. Our monthly management fee is simply based on the amount you can afford to repay each month to your creditors. The smaller the repayment, the lower our management fee is. It is also capped to ensure our management fees are amongst the lowest in the industry. Plus this fee is fixed for the duration of your plan!

Would you like to Apply Now for Debt Management Help?

The Advantages of Debt Management
The key advantage is having one lower monthly repayment to make which we then distribute to your creditors on your behalf.

We will handle any communication between your creditors and yourselves. Taking away that stress for you.

Once your primary living expenses have been calculated in to your finance, you only pay what you can afford. This way, you can still pay those important bills and we look after the rest for you.

The Disadvantages of Debt Management
If you do decide to enter a debt management program your credit rating could be affected. If you are already struggling with your repayments then your credit rating is likely to be poor.

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