Debt consolidation, settlement , management , solution and services by Debt1 in the UK. We negotiate on your behalf to reduce your current loan and credit card payments to just one affordable monthly payment. We do this by requesting that your creditor FREEZE or REDUCE their future interest charges and, by doing so; agree to a lower monthly payment.Where interest charges could be frozen or reduced the money we pay to your Credit Companies is taken off your balance rather then being used to pay interest charges.You pay one monthly payment to ourselves and we will forward this onto your various creditors on a pro-rata basis. This arrangement will then ensure that you can afford other essential bills e.g. Mortgage, Rent, Gas, Electricity, Housekeeping, Telephone, etc.We have team of people dedicated to manage every aspect of your Debt Management Plan and ensure that it works as efficiently as possible to control your and reduce it. We can also work with you to negotiate full and final settlement offers your creditors, allowing you clear your in full early for a reduced amount. We also offer advice on and whether this is an option open to you. Our financial management programme has been designed to meet your needs. Our programmes are flexible so that if your circumstances change, then payments can be amended accordingly.If your Income is reduced, then we can reduce your monthly payment so that it remains affordable. If you find that you have a surplus of income available, then you can increase the amount you pay. This will enable you to pay off your off quicker.We can also help negotiate a favourable settlement figure in the event that you are able to make a lump sum contribution towards your . We will review your situation every six months to ensure that you are happy with our service and to ensure that we are aware of any changes in your financial circumstances.