Debt Management

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Landlord Advice Line: 0844 567 4001

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Tenant Details (2)

Debt Management Program

A Debt Management programme serves as a means for you to start prioritising your debts and regain control. It allows you to pay your household bills first (mortgage, gas, electricity, council tax etc...) then offer a reduced payment to your unsecured creditors (personal loans, credit cards etc...).

Legal 4 Landlords' Debt Management is designed so you will pay back what you can afford to the creditor on a monthly basis and not what the creditor requests. Brilliant Solutions can help you manage debt and agree a repayment plan which fits within your budget.

Call us today Find out how we can help you with a Debt Management Plan by calling one of our trained debt advisors who will explain your options to you in a non judgmental and sympathetic way and hopefully put you on the road to a debt-free life.

We could help you

  • Reduce your debt repayments
  • Freeze interest rates
  • Stop legal action
  • Give you free debt assessment
  • Negotiate with your creditors
  • Find the best solution for you

Debt Management: What happens next ?


Complete the simple online form with payment


One of our debt recovery experts will contact you within 2 hours


We will write to your creditors to put the agreements in place.


Our debt experts will contact you to confirm the agreements are in place and set up the direct debit payment.

Would a Debt Management plan suit me?

Yes if you have unsecured debts that you can't afford to repay. A DMP requires you to have a surplus income each month (money left over after you have paid all of your living costs and household bills from your income) and owe money to more than one creditor.

Is it a loan?

No, a debt management plan is exactly what it says, a way to help manage your debts. A debt management company doesn't buy the debt from your original creditors nor do they give you money to cover your existing debts. Legal 4 Landlords help you to manage your debts by offering a reduced payment to each of your creditors and then negotiate to freeze interest and charges.

How much does it cost?

Nothing, it's completely free. For example if you can afford to repay £250p/m all of that money will be distributed to your creditors pro rata.

Can I stop my Debt Management plan at anytime?

You are of course free to stop the DMP at any time, but we ask that you provide notice so we can inform all of your creditors.

Please note: Once the plan is cancelled, creditors may resume interest and charges.

Will my credit file be affected?

A DMP will not show on your credit file, however, if you are in financial difficulty your credit rating is likely to have been affected already. Whenever the full contractual payment isn't made, whether this is through a DMP or not and even if the payment is just a few pounds short, it will still affect your credit rating as you are not complying with the credit agreement. Legal 4 Landlords can help clear your debt quicker by negotiating for interest and charges to be frozen, so your credit rating may be affected for a shorter period.

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Registered Address: 8 Webster Court, Warrington, WA5 8WD