Are you in debt over £5,000 or more by way of credit cards, store cards, home shopping catalogue or loans? Do you owe money to at least three different creditors? If so and you cannot maintain the repayments and you are falling deeper into mounting debt then you need to do something about it. However you might not know where to get help and advice and how to get out of debt.

There is one way of becoming debt free within a fixed amount of time and that is be getting help with a debt management plan. By using a specialist company you will be able to get help and advice and a plan that would allow you to pay off your debts within a specific timeframe.

The company would sit down and help you to work out what you have coming into the home and what you have going out each month. Once you have reached an affordable sum that you can manage each month, you would then pay this amount to your chosen company who in turn would distribute this among your creditors. Providing you continue to meet the agreed amount over the specified period of time you would become debt free.