Add to this the half million plus public sector employees about to lose their jobs, many of whom will find it difficult to replace their incomes in the public sector where jobs are already scarce and wages are falling due to increased numbers of over qualified jobseekers desperate for work.

Sorry for the doom and gloom, but we have to be realistic. The cuts that are going to take place over the next few years are going to mean misery for millions.

If you do find yourself struggling as a result of these cuts the best advice we can offer is to seek help as soon as possible. The sooner you can address your financial issues the easier it will be to sort them out. In fact sort your finances out BEFORE you get into trouble if at all possible.

Now is the time to think about making economies and budgeting to ensure the impact of future rises in taxes (for instance VAT to 20% in January) and loss of benefits, such as tax credits, are softened. If you can get your household money in order now you will have a better chance of keeping up with repayments when the impact of cuts start to bite.

If you are already struggling but have not yet faced up to your debts now is the time for action. Things will only get worse if you leave them untended.

We can help you with free debt advice and help and put together a solution to clear your current debts and reduce your monthly repayments to an affordable level. No matter what your position or how desperate things might be please do contact us as we always try hard to find ways in which we can help applicants become debt free.

We can advise the best option for getting you out of debt or you can choose your own path if you prefer. There is no obligation.

Our business relies upon our clients being given affordable monthly repayments which they can make month after month until the end of their debt plan. By doing this they will become debt free and we will have another satisfied customer, another success story.

We tailor debt solutions to your individual circumstances. This means that every solution is different and the repayments you might make will not necessarily be the same as someone else with similar levels of debt. There are many factors to take into account when renegotiating repayments.

However the bottom line is that the repayments must be affordable over the full term of the solution. That is the only way you will be able to get out of debt. If you struggle to make your repayments during the course of the plan then we have failed.

We can advise you on all of the available options and the pros and cons with each. One solution might fit you better or you may have an individual preference or particular reasons for choosing your own path. We are here to help and guide you down the road to debt freedom.

Contacting us for debt help is free of charge and without obligation. You can find out more about what we can offer you before embarking on an actual debt solution.

However, time is of the essence and “debt waits for no man”! Don’t put off until tomorrow what you can do today, as debt can and will increase if action is not taken. We look forward to hearing from you and helping you become debt free.

A one-off debt consolidation loan to pay off all of your debts and become debt free can often make sense, but if you find you are constantly taking out new loans and consolidating again and again then you are not addressing the underlying problems and each time you consolidate your debts are getting bigger and your debt problems worse.

Credit and store card debt is good for consolidation as it is short term borrowing, generally at high rates of interest. A debt consolidation loan is taken over a longer term and with a lower interest rate, thus reducing monthly repayments. However the total amount you will end up paying will be more.

For instance, if you have four credit cards with balances of £5,000 which you wish to consolidate you will need a debt consolidation loan for £20,000. Interest is then added to this figure and your monthly repayments calculated on the total amount.

With a debt management plan the total debt of £20,000 is subject to negotiation with creditors. This is done on your behalf and the aim is to reduce your debt as much as possible. If you were able to write off 50% of your debt then you would only have £10,000 to repay and your revised monthly repayments would be based on this figure.

Our debt consolidation help is free and without obligation. We can help in a wide variety of circumstances and are likely to have seen similar problems to the ones you face before.

We are specialists – we only deal with debt solutions at Debts 2 Go. All information is treated in the strictest confidence and our aim is always to get you debt free in the quickest time with affordable repayments.

1. Debt consolidation loan OR
2. Debt management

However, in light of the current finance market is this really a choice?

Even applicants with the best credit histories are struggling to obtain loans as lenders continue their tight grip on lending.

This means that for many their only option is some form of debt management, either a debt management plan or an IVA.

The reason for wanting to choose a debt consolidation loan is invariably that it will not have a negative effect on your credit record. This is certainly something to bear in mind, but should not be the absolute deciding factor as an ill-conceived debt consolidation loan can leave you in an even bigger mess in the long run.

On the other hand, a well put together debt management solution will enable you to write off some of your debts, freeze interest on the remaining debts and give you much more affordable monthly repayments.

It will mean that in the short term your credit record is affected but you should not be looking for credit anyway whilst in the middle of a plan and after completion, when you have become debt free, you should be trying to keep out of debt, not take on extra credit.

You might think that you cannot get a credit card with a poor credit history. Credit cards are so handy and ubiquitous these days. However there are plenty of prepaid credit cards around which give you flexibility in shopping but help your monthly budgeting if used wisely.

It is also possible to repair a poor credit record in the long run so taking on a debt management plan is not the end of the world but could be the start of a brighter future.

The design of the site is completely different to Debts 2 Go and we are also trying something new by not having a traditional navigation structure. Rather than have the same links on each page, every page will grow organically and have links where necessary and none if they are not relevant.

Whilst specifically aimed at credit card debt the information contained on the new website will apply equally to all forms of debt. Credit card debt was picked specifically because so many people are seeking help with their credit and store card debts.

These cards tend to attract high interest rates meaning that if you don’t get them sorted out you can quickly develop a debt problem with spiralling interest being charged.

Launching a new website is always a time consuming business and it will inevitably mean less time spent on Debts 2 Go, although this site is now complete in terms of content on the main website.

None of our website work will get in the way of our main function, helping people get out of debt.  We are here to help you and welcome all debt enquiries regardless of circumstances.

We offer a range of debt solutions and can help most applicants in one form or another. Just get in touch to see what we can offer you.

Here’s an extract from our new page….. “A debt management plan, or IVA, can write off debt at various proportions up to around 70%. The exact amount will depend on your circumstances such as total debt and number of creditors.”

Imagine being able to write off debt up to 70%. On a £10k debt this would leave you with only £3k to repay. This really does make becoming debt free much easier.

Obviously there are some negatives with this type of plan. It will have to be noted on your credit file and will affect your ability to obtain credit in the future.

If you have credit card debt you might also want to look at our new website – credit card debt plan – which will be going live next week.

This will have information specifically relating to writing off credit card debt and plans for solving credit card debt.

The area of credit card debt is big enough for its own dedicated site. It is so easy to get carried away using your credit cards, particularly as we approach Christmas, without giving too much thought as to how you are going to pay them off.

Then you take out more credit cards to pay off the first credit cards, take advantage of the interest free balance transfer deals which end up costing you money in the long run, and the credit card debt starts to spiral out of control.

The finance market is currently so tight that getting a debt consolidation loan is not available to many people. That’s why another plan is needed.

We will be listing all of the various methods of getting out of credit card debt as well as ways of avoiding credit card debt in the first place.

As we always say, as soon as your debts start to become a problem seek immediate help. We can offer professional debt advice free of charge and, if the debt is not too large, you are often able to sort matters out yourself.

Credit cards, if used wisely, can be very handy and don’t have to cost you anything. It is just a matter of exercising control and restraint so as not to get carried away.

For more information about credit card debt visit our new website, going live 11th October 2010.

Some will put all of their spending on their credit cards – after all it doesn’t feel like you’re spending at all if you don’t actually hand over any money!

This can lead to spending more than you thought and you only realise when the bill arrives in January. Then you worry about how you are going to pay it back.

This credit card debt is often at a very high interest rate, meaning that if you don’t deal with it quickly it can spiral out of control, and before you know it you have a debt problem.

The way to deal with Christmas debt problems is to anticipate them. Now is the time to be budgeting so that you can afford Christmas this year.

If you can only afford £200 to spend at Christmas then you should stick to this figure. You may have to be more creative in your gift buying or food shopping or even to cut down your Christmas gift list but you can still enjoy Christmas with friends and family without breaking the bank.

In fact many people would prefer a less expensive gift which has had more thought put into it than an expensive gift which they know you really cannot afford.

Overspending could lead to a long term debt problem which will mean months, if not years, of difficult times before you sort it out. Make a budget and stick to it.

Too many people think of debt in terms of “debt problems” which has negative connotations and brings to mind a miserable picture.

We think in terms of “debt solutions” – what does this bring to your mind? Hopefully it is a positive image of how happy you will be at the end of the process with the burden of debt lifted from your shoulders. At this stage you can start life afresh.

Our range of debt solutions include debt management plans, IVAs and debt consolidation loans. One of these could be the right solution for you and could see you getting out of debt in the future.

All you need to do now is get in touch with us via our online enquiry form and send us your details (it only takes about a minute) and from this we will tailor the best debt solution for you.

Initial advice is free and there is no obligation.

The sooner you deal with your debt problems the sooner you could become debt free so don’t delay as leaving debt unchecked will only lead to the total debt getting bigger, along wih the extra problems this could cause.

We can provide a fully-tracked application form for your website so that you get credited when anyone applies. Once a debt solution has been agreed we can pay you a fee based upon our earnings.

Or if you prefer pay you a flat fee for each lead so that you don’t have to worry about their success or failure and nor do you have to wait for your earnings.

Because we offer a full range of debt solutions including debt management plans,  debt consolidation loans and IVAs we have a very good success rate meaning that your overall earnings remain high despite some non-completions.

The standard of internet enquiries is often below that of enquiries generated by other means but we work hard to progress them through to a satisfactory conclusion which means that everyone is better off.

The applicants gets professional debt help, we earn a commission and pay our introducer a generous proportion of our earnings.

The more enquiries we can generate, the better the margins, so the more people that join our debt affiliate programme the  greater the payouts per applicant.

For more information please contact us about becoming an introducer by phone or email, details on our main site at www.debts2go.co.uk.