Do you need free debt advice in NI?

debt-advice-ni

We at CD Fairfield Capital understand how hard life can be, from juggling the morning school run with the rush hour traffic to trying to pick a meal for dinner to keep everyone happy – we know what it is like as we have the same problems!

We also know that it can be hard to keep on top of your finances with a busy schedule, and how quickly credit cards, loans and overdraft can get out of hand. They can quickly add up and before you know it you are paying hundreds of pounds in repayments each month and your debt situation never seems to improve. But we are here to help fix your debt problems.

If you’re struggling to pay day-to-day bills, or to keep up with loan repayments and other financial commitments, there are several options open to you to help clear your debts. However, don’t make any decisions on your own – before you do anything you should contact us to get free, impartial expert advice form a debt adviser based in NI.

Contact us for free impartial debt advice in NI

Our debt advice is free, so if you need debt advice NI we are here to help. You can contact us by telephone to have a discussion on your debt issues or you are also welcome to call us and arrange a meeting in our Belfast office. Our debt advisers combined experienced means they have assisted over 35,000 clients with debt problems in their careers with and will help you to decide what options are available to you in order to help you manage or clear your debts.

The best time to seek help to get yourself back on track is as soon as you start to struggle or begin to worry that you will have difficulty meeting your payments or outgoings.

Debt solutions in NI

There are lots of debt solutions available – which one will be suitable for you depends on your personal circumstances.

There are guides on our website including an overview of debt options you may have been reading or heard about, but you should only make your decision after talking to a debt adviser which offers a free service like ourselves.

We tailor our debt advice on your personal circumstances, so the advice is always specific to you and your own situation. We advise you what options are available to you and then help empower you to choose what option you feel is best for you. Our advice comes with no obligations, we will never force you to take any option to deal with your debt as we believe you should make that decision yourself based on the information we provide. We will answer all your questions and ensure you are fully aware of how each option could affect you should you wish to pursue it.

Effect on your credit score

A question that we are asked a lot when advising people “What effect will this debt option have on my credit score?”. Well there is a quick answer to this question, every debt option other than repaying your debts off in full will ultimately have an impact on your credit score. However, the good news is that anything recorded on your credit report resets after 6 years from the month that it was first entered, so your credit report will eventually heal itself from the impact from whatever option you decide to pursue. We also hope to find a solution for your debts which means that you do not have to rely on credit at all to manage your finances in the future, so your credit report should not be something that you should worry about!

It is important to remember that continuing along the financial path you are currently on will not draw an end to your debt problems, and you could even make your situation more difficult by continuing to take further credit.

Give us a call today on 028 9039 3626 and get free professional debt advice as soon as possible if you feel that you are struggling or that your debt is getting out of control.