Southern Tree Debt Management Services

Southern tree debt management plans are unique in the sense that you always will have a personal debt manager, a dedicated professional to help you throughout your debt management plan. We also provide a 24/7 online service which enables you to access your debt management plan online.

How can our debt management plans help you?

 Debt management is a process where you authorise a company to act on your behalf in relation to all aspects of your debt. It allows you to take a fresh look at your finances and your financial position so that a new approach can be made towards your creditors. Instead of paying your existing credit commitments debt management allows you to make and affordable monthly payment which is determined after all your living costs. Instead of living off overdrafts and bank credit the whole idea is to be self sufficient off your own income by managing your money in a priority order. You can gain control over your money by making sure all your important bills are paid on time as well as your debts. Debt management is way of dealing with your debts without the need of borrowing money.

If you are left with no money at the end of the month or feel that you no longer can afford your debts then this service may be the solution to your debt problems.

 What is the best debt management solution for me?

The best debt management solution is the one that fits best based on your individual circumstances. Different debt solutions suit different people for example if you were a homeowner with substantial amount of equity then an IVA may not be the best debt solution for you, A Debt management plan may work out to be a better solution for you or remortgage. To find out which is the best debt management solution for you we have listed below circumstances of different people and show which debt management solution may be the best for you.

& Homeowners with equity

Re-mortgage

 Debt management plan

Full and final settlements

Full and final IVA (only if the equity matches)

Private/Council Tenants or living with partner/parents

IVA

Debt Management plan

Full and final settlements (providing you can find a lump sum of money)

Bankruptcy

Single Private/Council Tenants

IVA

Debt Management plan

 Full and final settlements (providing you can find a lump sum of money)

Bankruptcy

Married Private/Council Tenants

IVA

Debt Management plan

Full and final settlements (providing you can find a lump sum of money)

Bankruptcy

Employed Private/Council Tenants

IVA

Debt Management plan

 Full and final settlements (providing you can find a lump sum of money)

Bankruptcy

Unemployed Private/Council Tenants

 Debt Management plan

Bankruptcy