A debt management plan can be used to resolve any problem you may have with your unsecured debts. It is an informal arrangement suitable for people who do not have very significant debts, who may not have very high disposable incomes or who expect that their circumstances may change in the near future.

If you are genuinely struggling to meet your current monthly commitments, we can negotiate reductions in your repayments to your creditors.

You will make one affordable payment each month to us, which we will distribute to your creditors on your behalf.

We will negotiate to try to reduce or freeze any interest or other charges on your debts, although we cannot guarantee this.

Your plan is fully flexible and can be changed at any time to suit your changing circumstances and needs. You can even cancel your plan at any time with no penalty to yourself.

We keep your plan under regular review and, if we believe that an alternative solution has become available, we will tell you about it, so that you can make an informed choice as to what you want to do.

We employ fully trained advisors who understand the importance of a fast and efficient response to any enquiry you may have. Our aim is to deal with every query as quickly as possible, usually at the time of the initial phone call.

At Smooth Financial we provide free confidential advice for anyone with a debt problem.

. Struggling to keep up with repayments
. Suffering from creditor pressure
. Consolidation loan refused
. Afraid to open your mail
. In arrears

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Fill in the quick and easy online form to access years of experience in helping people like you. Consolidate Your Debts Into One Single Payment Today.

I called Smooth as a last resort, i thought nobody would help me i tried everywhere. Smooth did help me. I can never thank you enough for all your honest help and advice at a time i thought nothing was possible. Thank's again. - Mr Mallalieu, Chorley.

I made an enquiry online with Smooth, within five minutes an advisor called me. Ten minutes later i felt secure in the fact that Smooth were dealing with my Finances, i can't believe how easy it was to sort out this mess i was in. The service is great. Thanks Guys. - Mr Akhtar, Manchester

We offer the complete financial service and will advise you of all your options. Apply online NOW and find how debt management can help you.A financial solution specialist can help you regain control of your finances. Having your debt managed by experts can give you a fresh start.