Debt Consolidation

Expert advice on consolidating your debts into one payment, which could help you:

Reduce your monthly payments
Simplify your finances
Repay your debts at a rate you can afford
Regain control of your finances

Frequently asked questions

You've probably heard about debt consolidation loans, but taking out a new loan is just one way to consolidate debts.

'Debt consolidation' just means bringing all your debts together, and there are different ways of doing this. It can simplify your finances, as you'd make one payment per month, instead of many, and deal with one company, rather than multiple lenders. It could also cut the monthly cost of repaying your unsecured debts.

What's the best way to consolidate debts?

Different people will need to consider different ways of consolidating their debts.

If you're struggling with your unsecured debts like loans and credit cards, you may well have damaged your credit rating - which can make it very difficult to find a debt consolidation loan (or a loan of any sort) these days.

If you're in that kind of situation, a debt management plan might be a much better way of consolidating your debts.

What is a debt management plan?

A debt management plan is a process by which we can help you get your finances back on track. We'll review your finances with you and calculate what you can afford to repay each month. We'll then speak to your creditors on your behalf and show them how making lower payments would be the best way for you to repay your unsecured debts.

Talk to one of our experts today. If it looks like debt management is the best way of repaying your debts, we can start helping you get back in control of your finances and take away the stress and worry that comes with being in debt.

Do I need to consolidate my debts?

It depends on your situation.

Some people take out a consolidation loan just to make their finances easier to manage.

But if you can't afford your monthly payments, a debt management plan could make all the difference to your finances. It could reduce your monthly payments, freeze interest on your unsecured debts, and seriously reduce the amount of stress your debts are causing you.

Repaying debt over a longer period may increase the total amount to be repaid. Your ability to obtain credit will be affected in the short term and possibly in the medium to long term. Conditions apply. Calls are recorded.

Debt consolidation

If you live in Ireland and you're struggling with your debts, a debt management plan could be the ideal way of consolidating your payments and bringing your debts back under control - without needing to declare yourself bankrupt.

Here's a quick look at how Debt Consolidation could make your debts affordable again.

Get in touch

Talk to us and we'll find the best way to consolidate your debts

We talk to your creditors

We'll speak to your creditors on your behalf and arrange an affordable repayment plan to suit your circumstances

Get your finances sorted

We'll support you right up to the day your debts are repaid. We distribute payments, handle letters and phonecalls, help you with your finances - and do everything we can to make your plan a success

To read more about the fees associated with our services please click here.

"Simply outstanding! Without the help and patience of the fabulous staff, I don't know where I'd be. I am extremely grateful for the easy, helpful and patient explanations and guidance. Many, many thanks from a once very desperate, anxious and stressed woman."

Mrs S.K. Wexford

"All staff were most helpful, gave me great peace of mind and kept in touch with all that was going on."

Mr M.D. Dublin

"I found the service to be fantastic, I wouldn't know where I would be without the help you have given me. I am very grateful."

Mrs J.A.

"I am now happy that my family's financial future has been taken care of. So a big thank you to all for taking away the worry of my debt and helping me regain control of my finances."

Mr E.G.

"I would like to send a big thank you for helping me clear all my debts. Keep up the good work!"

Miss A.M.

Debt Consolidation

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Frequently asked questions

Debt consolidation