You will benefit from a realistic budget which will allow your creditors to be paid at a rate which is affordable to you. A lot of people who come to us have already been refused credit, which means their credit worthiness is in a poor state. If you want more credit then we are not for you. Only by completely busting your debt can your credit worthiness improve.
Quality of service is the key.
Beware these so called 'free' organisations, the truth is that many operate on a shoe string so their resources are limited. Usual opening hours tend to be 10.00am-4.00pm on different days of the week and most don't allow you to leave a message even if their phone is busy. Advisors are all volunteers and some are actually funded and paid by the credit companies. In truth we believe they are merely credit card collection services. We treat our clients with trust and respect.