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You may be surprised at how much you can achieve without the help of a debt management company. Many people negotiate reduced payments with their creditors even getting them to freeze interest and charges on their accounts. If you have decided to go it alone, the following article will provide you with valuable advice on how to do this successfully.
Baines and Ernst – debt management company overview
Baines and Ernst are a debt management company based in Manchester. They have been offering debt management solutions for over 10 years and in that time have helped over 100,000 people get back in control of their debts.
Advantages of Baines and Ernst
With many years of experience and a long list of happy clients, Baines and Ernst have a proven track record of completing successful debt management programmes. Baines and Ernst also offer other solutions like IVAs too. This means that if your circumstances would suit an alternative solution better, they are better equipped to help and advise you in that respect.
Disadvantages of Baines and Ernst
Baines and Ernst are a fee-charging debt management company, which means that a monthly ‘management fee’ will be deducted from your payments before being distributed amongst your creditors. This means less of your money goes towards paying off your debts than if you used a free debt management company.
Click here to visit the Baines and Ernst website
Click here to see more debt management company overviews
If you would like to know more about debt management please use some of the helpful links below.
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Remember, Debt Advice 4 Free is a completely free, impartial service. Although the information on this website is provided by industry experts, it should never replace the advice of a debt adviser who understands your individual circumstances. You can visit the directory section of this website to find a list of companies offering these services.
What is debt consolidation?
Debt consolidation simply means replacing multiple loans with one new loan. If you have debts with different creditors, you can combine them into one loan using a debt consolidation loan.
Find out more about debt consolidation here >>