Debt Management is an informal agreement that James Dee Associates will negotiate with your creditors exclusively on your behalf to help you clear your debts. The agreement we negotiate will ensure your monthly payments are reduced along with the overall debt, thus enabling you to make a fresh start with your finances

Who can Debt Management help?

If you can't pay all your debt repayments each month, but are able to pay some of what’s owing, debt management can help.

Remember, Debt Management is a non-legal agreement: what does this mean?

• Your property will not be at risk through any legal, contractual arrangement.
• Expensive lawyers are not involved.
• Flexibility is built in to the agreement, for instance with the level of payments should your circumstances change.

How does it work?

Debt Management - a step-by-step guide:

1. Your James Dee Associates adviser will assess your financial situation and debts. Using this information we will then calculate how much you can comfortably afford to pay each month out of your disposable income.
2. With the amount payable per month agreed, James Dee Associates approach your creditors to negotiate for reduced payments. Because of our track record in putting in place fair and realistic Debt Management arrangements, most creditors are happy to agree our proposed terms.
3. You will pay us just one monthly payment which we will then distribute to your creditors
4. As long as your Debt Management Plan is in place you can contact James Dee Associates at any time if you have problems of any kind with it. If your financial situation changes, James Dee Associates with its expertise in Debt Management will ensure there is flexibility to renegotiate payments on your behalf.
5. The Debt Management Plan is reviewed at regular intervals to check that it is still sufficiently tailored to your circumstances.
6. The plan will continue until your debts are cleared - unless of course you wish to voluntarily end the agreement.

Contact us today to find a solution to your debts.

Click here for debt management enquiry form »

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