Credit Card Debt Management

Are you struggling making credit card repayments and worried about opening your statements?

We understand how easy credit cards can take over and if you let them, credit cards take control and you’ll find yourself at the top of a slippery slope of credit card debt.

Instant Debt Advice - No Need to Wait!

Get an instant recommendation and answers now.

• Name*
• Phone*
• Email
• Where in the UK do you live?*
  Please SelectEnglandScotlandWalesNorthern Ireland
• Employment Status*
  Please SelectEmployedSelf EmployedUnemployedRetiredStudent
• What is your total debt?*
  Please Select£2,000 to £7,000£7,000 to £12,000£12,000 to £19,000More than £19,000

• Debt Solution

  Bankruptcy

  If you have no earnings then Bankruptcy may be the best option for you.

  Additional Options

  Debt Management Plan - If you have low earnings then this may also be an option and an alternative to actual bankruptcy.

  Please click 'next' so that we can advise you based on your personal circumstances.

• Debt Solution

  Scottish Trust Deed

  As you live in Scotland then a Trust Deed may be the best option for you.

  Additional Options

  Debt Management Plan - this may also be an option and an alternative to a Trust Deed.

  Please click 'next' so that we can advise you based on your personal circumstances.

• Debt Solution

  Scottish Trust Deed

  As you live in Scotland then a Trust Deed may be the best option for you.

  Additional Options

  Debt Management Plan - this may also be an option and an alternative to a Trust Deed.

  Please click 'next' so that we can advise you based on your personal circumstances.

• Debt Solution

  Scottish Trust Deed

  As you live in Scotland then a Trust Deed may be the best option for you.

  Additional Options

  Debt Management Plan - this may also be an option and an alternative to a Trust Deed.

  Please click 'next' so that we can advise you based on your personal circumstances.

• Debt Solution

  Debt Management Plan

  This would give you a fixed monthly payment covrther debt advice that iis would reduce your outgoings and may be the best option for you.

  Additional Options

  IVA - depending on your circumstances this may also be an option and an alternative to a debt management plan. In Scotland this would be a Trust Deed.

  Please click 'next' so that we can advise you based on your personal circumstances.

• Debt Solution

  Debt Management Plan

  This would give you a fixed monthly payment covering all your debts. This would reduce your outgoings and may be the best option for you.

  Additional Options

  IVA - depending on your circumstances this may also be an option and an alternative to a debt management plan.

  Please click 'next' so that we can advise you based on your personal circumstances.

• Debt Solution

  Debt Management Plan

  This would give you a fixed monthly payment covrther debt advice that iis would reduce your outgoings and may be the best option for you.

  Additional Options

  Scottish Trust Deed - depending on your circumstances this may also be an option and an alternative to a debt management plan. This is similar to an Individual Voluntary Arrangement (IVA) in the rest of the UK.

  Please click 'next' so that we can advise you based on your personal circumstances.

• Debt Solution

  IVA

  An Individual Voluntary Arrangement would give you a fixed monthly payment covering all your debts. This is a formal agreement set up to reduce your outgoings but repay your creditors. This may be the best option for you.

  Additional Options

  Debt Management Plan - depending on your circumstances this may also be an option and an alternative to an IVA.

  Please click 'next' so that we can advise you based on your personal circumstances.

• Debt Solution

  IVA

  An Individual Voluntary Arrangement would give you a fixed monthly payment covering all your debts. This is a formal agreement set up to reduce your outgoings but repay your creditors. This may be the best option for you.

  Additional Options

  Debt Management Plan - depending on your circumstances this may also be an option and an alternative to an IVA.

  Please click 'next' so that we can advise you based on your personal circumstances.

A recent survey reported that if you paid just the minimum monthly payment, it would take over 30 years to repay a credit card balance of £2,200! The average person in the UK is also reported to owe £33,000 in personal debt. We know that this potentially affects everyone who uses credit cards so you’re not alone.

Credit Card Debt – We can help!

At Reality Debt we know how stressful it can be trying to manage credit card debt. We have helped people all over the UK sort out their finances and given them back some peace of mind.

Reality Debt can help you get get rid of your credit cards forever and help you on the road to financial recovery with a debt management plan.

We can help sort out the problem of credit card debt and get you debt free. For more information please contact us on 0800 3457891.

Fees payable

• the initial fee charged is the first monthly payment of the debt management plan
• a fee of 15%, or £25 (whichever is greater) is charged thereafter for the management of the plan
• an advice fee of £285 may be charged which will be payable by 3 installments of £95 added to the agreed debt management monthly payment