debt counselling by bccsltd
As with Mortgage Counselling, but on a less specific scale, Debt Counselling enables communicaiton between yourself and your creditors.
We will arrange a meeting with you and create a statement of your income and expenditure which will enable you to make an informed decision on how to deal with your creditors.
A letter of authority will be provided at this stage for you to sign, this will enable us by law to send letters to creditors on your behalf. We will then write to all your creditors, explaining your situation, and make an offer of payment. Your creditors will contact us and either accept or redefine the offer.
At this point, we will then contact you again. You can either take these payments on yourself and continue to make them on the agreed basis, or you can subscribe to our Debt Management Service.
