Hamilton Locke Debt Management are specialists in providing debt advice and tailored Debt Management Plans.

If after free debt advice from Hamilton Locke a debt management plan is deemed the right debt help solution for you, you could:

• Only make one affordable monthly payment
• Possibly reduce or freeze interest and charges
• Stop demands from creditors
• Regain control of your finances

What is Debt Management?

A debt management plan is an effective debt help solution, which enables people who are struggling with their repayments to regain control of their finances. Debt management plans are often referred to as a flexible debt help solution, because debt management plans allow payments to be changed according to your changing financial circumstances. Debt Management works by gathering all unsecured balances together (i.e. loans, credit cards, store cards and overdrafts) into one affordable payment, which then makes debts easier to manage. Debt help from Hamilton Locke, in the form of a debt management plan, is designed to help people reduce your repayments too, which can be achieved by spreading payments over a longer period of time – thus making them more affordable. Chiltern provide expert debt advice and arrange debt help programmes, like tailored debt management plans, for people struggling with their finances.

In setting up a debt management plan we will designate a professional adviser who will offer free, impartial, debt advice. They will calculate the amount you can realistically afford to pay after your priority payments (i.e. mortgage, utility bills, council tax and other living expenses) have been accounted for. Any money left over after your priority payments have been covered is classed as your ‘disposable income’. We will then distribute this available money to your creditors on your behalf. Our debt help is tailored to your needs and our debt advice is free.

Benefits of a Hamilton Locke Debt Management Plan

There are many benefits of seeking debt advice and taking a debt management plan with Hamilton Locke. We will act on your behalf and negotiate reduced payments with your creditors, so you no longer need to deal with letters and telephone demands from them. Hamilton Locke are also one of the most reputable and established debt management companies in the UK and have developed strong relationships with creditors. This means that creditors may agree to totally freeze or reduce the amount of interest being charged on your accounts. Whilst this cannot be guaranteed, we have built strong relationships with creditors over the 12 years that we have been operating. In certain cases, the debt advice and debt help plans Hamilton Locke provides can help avoid bankruptcy and stop creditors from taking legal proceedings against you.

Complete the form on the right and one of our advisers will provide FREE expert debt advice. To speak with an adviser, for immediate debt help, call FREE on 0800 083 4646.

Repaying debts over a longer period may increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term. Fees payable. Telephone calls may be recorded for training and quality purposes. Repaying debts over a longer period may increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term. Fees payable. Telephone calls may be recorded for training and quality purposes.