Government consolidating credit debt
Refer to Negotiating payment terms for advice and tips on how to get an agreement in place that suits you.
If you're struggling with your mortgage repayments, you may be better off selling your home on your own terms.
There’s no pressure or judgment and everything we do for you is confidential.
Meanwhile, a system is set up for convenient monthly payments that are fully secure and fully tracked.
Unsecured into 'secured' Before you turn all your unsecured debts (such as credit cards) into a secured debt, remember that the asset given as security (for example, your home) will be on the line if things go wrong.
You'll discover how to: If your monthly debt payments – not counting mortgage or rent – are higher than 20 percent of your income, this is a sign that you could be in financial trouble.
Where there is a joint debt, you may end up repaying the debt in full.