If you are in debt difficulties and finding it hard to cope, don't borrow more money. We aim to provide you with the best free debt management in the UK to solve your debt problems. With our debt management and consolidation programs, we can reduce your monthly bills by up to 90% and clear all your existing credit cards, loans and other debts by replacing them all with one single lower monthly payment.

Our Zengo Finance advisors will negotiate to lower your repayments with your creditors on your behalf, leaving you hassle free and able to enjoy your life again.

• You will not be charged for an enquiry.
• You are under no obligation whatsoever.
• All your details will be strictly confidential.

There are numerous organisations currently offering Debt management and Consolidation Programs. The question that naturally presents itself is "Why us?”

Unlike many of our competitors we endorse an ETHICAL approach to debt management.

We will only recommend debt management to you if this is the right solution for you.

We will review your circumstances regularly to assess whether you should be on a debt management programme.

We will manage your debts for you. You tell us who you owe money to, how much you owe and how much you can afford to pay each month. Then we take over. We negotiate with your creditors to agree affordable monthly repayments and we make the payments on your behalf. Your debts will steadily reduce until you have repaid what you owe.

If you are currently on a debt management programme and are unsure whether you should be please contact us for free advice. If there are other options available to you we can advise you accordingly.

Individual Voluntary Arrangements

An Individual Voluntary Arrangement is a legal process by which you can gain protection from your unsecured creditors by entering into a legally binding repayment agreement with them, which is then supervised by a licensed insolvency practitioner.

This process is suited to those debtors who have a reasonably high level of disposable income but who also have a very significant unsecured debt problem usually over £15,000.

The arrangement is supervised by a licensed Insolvency Practitioner who is responsible for all negotiations with your creditors and for ensuring that you make all of the payments required under the terms of the arrangement.

You are normally required to make regular monthly repayments, usually over a 5-year period, after which any balances remaining on your debts are written off.

If you are a homeowner, you will normally be required to release any equity you have in your property by taking out a mortgage or secured loan and paying this money to your creditors.

Once your creditors have agreed an IVA, all interest and charges on your unsecured debts will be frozen.

Your supervisor in the IVA is required to review your financial situation every year and, as a result, you may be required to increase your monthly contributions into the IVA.

Just fill in our short online help form and we'll put you in touch with the right people who can help