Debt Management »
We'll come up with a debt management solution based on your individual circumstances.
Debt Consolidation »
Our experts can guide you through the range of debt consolidation options available.
Debt Help »
Kensington Financial Management Consultants are experts in providing debt help.
IVAs »
If you have a significant debt problem, you may be eligible to begin this legal process.
Trust Deeds »
A Trust Deed can lead to a significant proportion of your debt being written off.
Bankruptcy »
A Debt Management Plan, IVA or Debt Consolidation should be considered first.
Debt management skills and how to find them
The more you know about debt management, the better prepared you are to keep your finances under control. Most of us never get lessons in how to manage our money, but we're expected to know a good deal when we see one, and to plan our finances so that we never owe money we can't repay and we don't spend money that we don't have.
Learning about debt management
For most people, finding out about debt management comes too late. Debt management is most useful when you have debts that you need sorting out, and that's when experts can be invaluable. If you are currently experiencing problems with repayments, talk to debt management professionals about:
Debt consolidation – debt management is all about finding the best solution for your circumstances. Debt consolidation may work for you – particularly if you have debts with a number of lenders and you're finding it hard to make sense of all the repayments you have to meet.
Mortgages and re-mortgages – it may be that the best way to raise money is to apply for a remortgage. Lenders are currently being much tougher about who they approve for mortgage and remortgage products, but with the right advice, you could find yourself with a product that gives you the cash you need, whilst maintaining payments you can meet. Debt management doesn't have to be catastrophic – in many cases a straightforward financial product will do.
IVAs and bankruptcy – these routes are really the last options for people looking at debt management. If your debts have become so serious that your lenders are thinking of declaring you bankrupt, it might be worth considering these options now. Declaring yourself bankrupt is a severe move, but it is better than having a lender do it for you. An Individual Voluntary Arrangement is one step better than bankruptcy, giving you more flexibility and control over your finances and your assets.
Talking to someone who has the debt management skills to help you could prove to be the best move you can make. Learning from these experts can also help you to keep better control of your finances in the future, making debt management and possibly even wealth management part of your daily life.
Kensington Financial Management Consultants Ltd is a total finance solutions company helping people all over the UK. We speak financial sense. We will allocate you a friendly advisor who will chat through your current situation and formulate a plan for you without obligation. Let us work out a financial solution based on your individual circumstances. It's our aim to help everyone who contacts us. With debt solutions from debt management and IVAs, mortgages & re-mortgages, secured & unsecured loans and advice and information for debt consolidation, bankruptcy and Trust Deeds, we can help. It really is worthwhile giving us a call or applying online today for a confidential chat with one of our friendly advisors. Call FREE on: 0800 096 4409.
