How we Help
Debt Problems? - How we can help you
Stop stressing. Let Accuma help with your debt problems
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Struggling to pay credit or store cards, overdrafts or loans?
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Been refused a loan to consolidate your debt problems?
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Robbing Peter to pay Paul?
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Under pressure from creditors or debt collectors?
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Worried about the future?
Is the stress of debt ruining your life?
The fact that you are looking at the Accuma website shows that you have recognised your debt problem, and this is the most important thing that you can do to resolve your debt problem.
We understand the difficulty and anxiety struggling with debt can cause and want to help you find the best possible solution.
Our advice is absolutely FREE, friendly and given in the strictest confidence.
Whatever your situation:
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we will try to solve your problem in the best, fastest way possible,
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we will ensure that you only pay what you can afford.
This might be by consolidating your debts, either with an extra loan or a remortgage.
Alternatively, where your debts are short term or less serious, a debt repayment plan may be a better way forward for you.
Your best option could be an IVA, where you make a monthly payment based on the amount you can afford and your interest is stopped, charges are frozen, creditors stop pursuing you and a large part of your debt is written off.
I feel like I'm in a hopeless situation, can you really help?
Debt becomes a problem when you are unable to settle your credit commitments on time. In most scenarios the seriousness of your debt problem is determined by the amount of debt you owe. However, this isn't always the case and getting free advice by talking to an unbiased and professional debt expert, such as ourselves, is crucial in solving the problem. The worst thing you can do is ignore the situation and hope it gets better. So the sooner you call us the quicker you could find yourself debt free.
In the main there are 4 solutions to resolve your debt problem: another loan, debt management, bankruptcy and an IVA.
Often the obvious answer to an unsecured debt problem is a re-mortgage or other loan. Depending on your unique financial position, and your credit rating, either a re-mortgage or consolidation loan could be the answer that you are looking for. Always speak to a professional debt expert when you're considering further borrowing to make sure it is right for you and that you can afford it. When borrowing, always remember that your debts increase. This is a fact of life and there is no escaping from it.
If further borrowing is not the solution for you, you cannot obtain a loan, or you recognise that you have a debt problem and need to sort your debts out rather than borrowing more money, then the 3 remaining options are as follows:
