"Thanks to her Majesties Government - with all the tax advantages,
Your creditors can legally write-off up to 75% of your debts - With guaranteed results!"

Go on - I know it's a little unbelievable - but read the headline again.

Would this make life a little easier for you?

Well it is true. There is special legislation to assist you if you have serious debts. You are going to see why it actually helps your creditors - when they help you.

Your monthly payments are all dramatically reduced. The interest charges are stopped. Then after a relatively short time, all your outstanding debts are legally written off. With your creditors total authorization. And with guaranteed results.

Just for a moment, think about this… everything is made very affordable with your creditors complete permission.

And faster than was ever possible before, you will become completely debt free!

You might also be amazed - this legislation was introduced, with full creditor and government approval, back in 1986. Since then, we have successfully applied it, for thousands of our clients. You can imagine the incredible difference this made to their lives.

Now, we want to show you, exactly how it will work for your financial situation. At last an end to all the stress and worry. All your payments greatly lowered and up to 75% of your debts legally written off.

Before I carry on, because this information, to say the least, will make a massive change to your life-

Why not get rid of all the distractions, make yourself a strong cup of tea, find a comfortable chair, sit back, and let me explain the whole story.

As you read all about this acclaimed legislation, you will find yourself travelling on a journey, from debt and despair, to being permanently debt free and extremely happy!

We understand why you have a debt problem

Firstly, thank you very much indeed for visiting our website, or for taking the advice from the person who referred you to us.

I know how difficult it may have been for you to look for help. I am glad you did, because now we can bring you the correct legal answer to handle your debts.

Making all your payments affordable, no more interest charges, one low monthly figure paid for a set time, and then the rest of your debts are all legally written-off, with your creditors approval.

We speak with over 500 people every week who have serious financial problems.

People from all walks of life. Every category of business to every type of employee.

Senior politicians to nurses. Managing directors to factory workers. Barristers to police officers. Actresses to (dare we say it) bishops. Even bank managers, credit controllers, and tax inspectors!

Please believe us, you are not alone. Debt can affect anyone and everyone at anytime. We all understand the worry, uncertainty and pressure you are experiencing.

We realise the damaging effect debt has on you personally, your family, your health, your relationships, and your employment or business.

It takes control of your life and becomes a 24-hour, 7-day a week constant struggle.

If you could pay everyone back with interest - you would.

The fact is - your financial circumstances have greatly changed since you borrowed the monies.

What has happened is one or more of the following:

Reduced income. Unforeseen expenses. Bad financial advice. Illness. Redundancy. Unemployment. Family/relationship problems.

Or simply the ever-increasing cost of living - making debt unavoidable.

If you have high debts until now, you just could not win!

We are sure you have noticed that loans and credit cards are very aggressively marketed to you.

How many mail shots do you receive every week?

As well as all the press and TV advertisements persuading you to take advantage of the latest offer…

Why?

Quite simply there are staggering profits for the banks, finance and credit card companies.

An economist (in fact a Professor, no less) told us a startling story;

"The 'hidden' fact about debt is, you can never get in front. Even if you borrow just once at say 15.9%. Whatever you use the money for immediately devalues on average 40% (often more). With inflation at around 3% - therefore -

The true cost before you even start to repay the capital is at least 58.9%! Unless your income increases by a great deal more than this - you can never win.

To stand any chance of your debts being affordable - your income must be at least twice the level of your unsecured debts."

It would be wrong to blame the creditors for the problem. But somehow, you are made to feel "privileged" to be asked to borrow. Usually there was no other financial option but to apply for the money.

The trouble is, if you continually borrow more, it makes your situation horribly worse. With extra repayments and interest charges. Even if you use the new money to pay off existing debts - further expenses come along or the new payments stack up, and you are forced to re-use the credit cards and overdrafts.

Then there is no choice but to take another loan - your debts and all the repayments can easily double, treble and quadruple.

And all you were trying to do was keep everything up to date.

Another shocking thought is - even if you are able to pay all the minimum payments every month - is this just covering the interest charges?

In other words, your debts may never reduce and will always remain in place.

When you need help - be very careful who you speak to!

Because debt is such a huge problem throughout the country - we recently counted 27 adverts in the newspapers from various "debt help" companies!

These commercial firms offer to try and "negotiate" lower payments for you.

Again, the problem is you could be paying back the debts in full, with interest for an unlimited time.

It could never end.

Regrettably, many of our clients have told us they had terrible experiences dealing with some of these companies.

Apparently, they overload themselves with work - without having anything like the necessary staff, expertise or service to handle the cases properly.

It would be unfair for us to list all the problems that so many people have encountered.

You may well have seen these companies featured on TV, particularly the consumer watchdog programmes! They certainly tend to get a lot of bad press, and keep the Trading Standards Officers and the Office of Fair Trading department very busy.

Creditors have stated that due to the bad reputations of these firms they will not recognise or deal with them.

It's not impossible to deal with it yourself - but it is difficult …

Unfortunately, if payments are missed, arrears build up and creditor actions increase.

You get inundated with phone calls at home and at work - creditors are allowed to call 8am - 9pm, 7 days a week. Letters, threats and demands start flooding in….

You can try to deal with them all personally. It takes a lot of effort. Some credit controllers can be helpful - but this will be limited and short term.

Almost by definition, most will be awkward.

They don't see you as an individual. To them you are just a number on a computer screen. It's a no win situation. Their job depends on insisting you pay them money that does not exist!

A senior credit controller gave us an "insiders" view

" Credit control departments are very computer generated, where all the reminders, demands, threats and legal actions are pre-programmed.

Credit controllers also take a self-centred view; they are only interested in the debt with their organisation. They do not appreciate that other debts exist.

Despite all the efforts the customer makes on their own - it can make absolutely no difference, because after certain dates the computers will automatically take further actions."

As soon as you try and pacify one creditor - the next one demands more money and so on….

Creditors usually pass your file to debt collection agencies who can be quite intimidating and all the hassle and humiliation starts again.

Debt collectors can arrive, unannounced on your doorstep (you don't have to let them in). However, you do not want to panic every time the doorbell rings (and you would prefer that your neighbours were not aware of the problems).

Eventually, the situation begins to completely collapse when court summonses are issued with all the consequences.

County Court Judgements,
Attachment of Earnings (Debt payments are taken directly from your salary),
Bailiffs (Your personal belongings are seized),
Garnishee Orders (Your bank account is "frozen"),
Charging Orders (Unsecured debts are secured on your house),
Oral Examinations (You must attend court to be questioned about your debts),
Bankruptcy Petition (The bitter end. In bankruptcy with all the conditions, it is said, if there is anything left to lose - you lose it).

You definitely do not need this pressure. With all the potential publicity

You don't want to put your career or business at risk. Or cause your family endless worry.

Even more importantly, as medical research shows unhandled debt can have a bad effect on your health. Many of our clients are referred to us by their doctors - one GP told us;

"I see so many patients suffering due to uncontrollable debts. It grinds you down. You feel worn out and depressed. Often you are unable to work which makes your financial position even worse.

It all becomes an excruciating pain.

No amount of pills or medicine will help.

Creditors can be utterly relentless. You are made to feel a failure, that you are incapable of dealing with your finances. The pressure will not go away - unless you take urgent action (and use the creditor-approved legislation).

It is a proven fact. Debt can make you ill. In my opinion, every loan application should carry a health warning, "Debt causes severe worry and stress and can seriously affect your health"

My advice is, do not keep borrowing. You must always get immediate help, and use the very best answer to deal with your debts as quickly as possible."

Without the right assistance, the real frustration is no matter how hard you try - your income, even if it increases, is spent the moment it is earned.

But the debts are still not paid and could literally go on for the rest of your life.

It's a dreadful thought isn't it?

There is no need for any of this to happen

Our clients always tell us - in their heart of hearts, they have reached the point where enough is enough - they do not want their lives shattered by debt.

You already know this - and now there are 3 things you definitely do not want to continue.

Firstly, you cannot keep using all your income to try to keep your debt payments up to date. There is nothing left for you and your family, there is no money for any expenses, it affects your self-esteem and your confidence, and you simply cannot plan any future.

Secondly, you must stop being forced to borrow more money just to keep the existing payments going - it is a vicious circle, all it does is increase your debts and everything goes from bad to worse.

Thirdly, if you are now behind with your payments, you must put an end to all the creditor letters, demands, threats, phone calls, debt collectors and legal actions - this causes enormous stress and if it is not resolved, it will never end.

You must not live like this.

It can all end in financial ruin and poverty. And you could lose everything.

Remember you never intended to get into this position. It is certainly not how you want things to be.

And it is not fair on you, your family or for that matter your creditors.

So lets look at the legal answer to get everything handled.

You may be a little surprised - but your creditors actually want to help!

Now - your creditors can "legally" understand all the problems that led to the debts - with all the pressures on your income.

They realise there is no longer any point in increasing your debts or asking for money which you simply do not have.

However they look at the situation, you cannot make the full payments - if the money is just not available! All the actions they would take will only increase their costs and not produce any worthwhile returns.

They really want a better answer.

So, here is the very effective, legal solution

A new private legal Arrangement called an Individual Voluntary Arrangement is made to all your unsecured creditors. This legislation was introduced by Parliament in 1986.

You can read the Act (Section 252 - 263) which is available in the legal section in your local library.

This is what it does

• Explains the background reasons, difficulties and circumstances causing the debt problems.
  
  
• Proving conclusively, that due to all your necessary living costs - it is not financially possible for you to make the full repayments.
  
  
• It helps if there are at least 5 different unsecured creditors (if you have two loans with one company, that counts as one creditor).
  
  
• Your unsecured debts are now high, usually well above £19,000.
  
  
• Your debts have been in place for over 10 months.
  
  
• You have an income.
  
  
• Either employed or self-employed.
  
  
• It is important to show creditors that full repayments are genuinely not possible. And there are no significant savings, investments or equity in your home which could allow full payments to continue.

If you have assets do not worry. It may be that this legislation will not be as effective for you. But please speak to us, we can still help you.

Now your creditors understand your situation they can all agree to

• Stop all the existing payments.
  
  
• Stop any demands, letters, phone calls or legal actions.
  
  
• Accept one greatly reduced affordable monthly payment - based on your available income, taking into account all your current and future living expenses.
  
  
• This one payment covers all your creditors.
  
  
• They all get an equitable share.
  
  
• The interest charges are stopped - your creditors agree there is now no advantage in increasing your debts.
  
  
• The new lower payment only has to be paid for a limited time.
  
  
• Because - best of all - at the end of this fixed time all the balances of your debts are then legally written off.
  
  
• Your creditors receive full tax relief on this amount.
  
  
• They also save endless administration costs by agreeing that your debts do not last for an unlimited time.
  
  
• Your creditors agree that your Arrangement is in full and final settlement of all your debts.
  
  
• At no time thereafter will they ever request any outstanding balances.
  
  
• So of course, you become absolutely debt free!

Again, why will creditors accept this?

• They see the full financial picture - all the problems and circumstances creating the debts.
  
  
• Statistically, they know for your unsecured debts to be affordable - you income must be at least twice the level of your debts.
  
  
• They now agree it is impossible for the full repayments to be made.
  
  
• If the problem continues, only two things can happen. Either you have to borrow more, which will significantly increase your debts and dramatically add to the problem.
  
  
• And inevitably, at some stage, you are forced to stop or try to reduce your payments by yourself. Which immediately starts all the creditor actions.
  
  
• So, your creditors reduce their risk and save non-stop credit control, debt collection and legal costs, which would not bring any realistic returns.
  
  
• You have "legally" offered an affordable monthly payment based on your true financial circumstances.
  
  

• To save them further expenses you only have to pay this for a set time.
  
  
• Remember, if you had to pay all the debts in full with interest, it would take 10, 15, 20, 30, 40, 50 plus years.
  
  
• Your creditors do not want to stand the escalating costs waiting for this to happen - so it is more cost effective to cancel the balances of debts.
  
  
• And remember they stop the interest charges.
  
  
• And they get big tax benefits on the debts they write off.
  
  
• All this saves your creditors life-long costs, which reduces losses, and actually helps protect their profits.
  
  
• Creditors lend literally billions every year; last year it was over £57.7 billion.
  
  
• This puts your debts into perspective doesn't it?
  
  
• You will of course have read about the enormous profits that they do make (they never lose!).
  
  
• And built into every interest rate is a strong provision for debt problems (again creditors are always covered).

Also, creditors "buy" the money they lend in the money markets. They buy wholesale at say 4.9%. And sell to you at retail at 9.9%, 14.9%, 24.5% etc.

This of course is how they make so much money. And remember you have already paid some of it back. And during your Arrangement you will be also be paying back an amount you can afford.

So, as the creditors bought the money cheaply in the first place, they will usually cover all their costs and probably still make a profit from you!

Creditors that actively agree to these Arrangements include

Personal - Banks, Personal loans, Credit Card Companies, Store Cards, Finance Companies- in fact every type of unsecured personal creditor.

Business - Inland Revenue, VAT, Banks, Finance Companies, Trade Suppliers - again, all types of unsecured business creditor.

They were all consulted when this legislation was designed - so every part of it meets with their approval.

It is a brilliantly effective law (just to remind you, it was introduced in 1986).
If only you had known about this years ago! It helps you and all your creditors.
It lets you and them come to a much better agreement - rather than having the problems drag on for decades.

Please read this comment we received from a senior director from one of the major High Street Banks -

"When any bank or creditor lends money, they know that customers can experience difficulties. We realise how problematical it is for customer's to try to cope with all the different lenders by themselves.

An Individual Voluntary Arrangement handles the creditors collectively, proving to us all, it is not possible for full payments to be made.

Separate departments deal with this legislation. They now see the full situation, all the different creditors with the pressures on the customer's income.

In essence, we can all agree to accept one affordable monthly payment, with no further interest charges. This reduces our risk by not lending further money, which would only increase the overall debts.

And to save further long-term administration costs the lower payment is made for a limited time and then the "balances" of all the debts are legally written off. This gives us all tax advantages.

And useful public relation benefits - we are able to say how good we are in helping customer's with serious financial problems.

This legislation, organised by approved Accountants, (special note, all our Accountants are fully approved), allows the customer to by-pass the old system, avoiding all the consequences.

Very importantly, no creditor is being preferred above the others. We are all being treated fairly and equitably.

Rather than have the situation breakdown completely -

This legislation gives us all and the customer a much better solution."

So, what is the catch?

• Well take a deep breathe because - your Arrangement will affect your credit rating.
  
  
• Yes, this is a stunning and devastating blow!
  
  
• But if you think about it - if your creditors are going to slash all your payments, stop all the interest charges and legally write-off a very high percentage of your debts - then they are not going to fall over themselves to lend further money (it would only make things worse).
  
  
• We have all been "conditioned" to believe that our credit rating is the most important aspect in the entire universe and the meaning of life itself.
  
  
• It is just a very clever marketing tactic to make us feel "honoured" and "proud" to borrow and create huge profits for the Banks and all the other lenders.
  
  
• Remember it was having a credit rating that has caused the debt problems to be as bad as they are today!
  
  
• If only you had never had a credit rating, you would have no debts - no worries, no anxiety - living a cash rich wonderful life - and you would never be reading this!
  
  
• All a credit rating ever lets you do is borrow someone else's money at their interest rates!
  
  
• And if you were going to keep borrowing, you would only be using the money to try to keep all the existing payments going.
  
  
• You would only get deeper and deeper into debt.
  
  
• Or look at it this way - When did your debts ever go down when you borrowed more money?
  
  
• The only way you can "keep" your credit rating is if you continue to make each and every payment in full, on time, every time.
  
  
• This will usually keep you in ever increasing debt for your entire life.
  
  
• If you "miss" or reduce payments on your own - then your credit rating will be seriously affected anyway.
  
  
• And you might never get your rating back.
  
  
• We understand you can reinstate your credit rating usually after 6 years from the start of your Arrangement.
  
  
• Of course as you will be debt free - you may wish to stay that way!
  
  
• You can still get a mortgage or remortgage (known as non-status) even with an impaired credit rating.
  
  
• The real point is that this legislation stops you from having to keep borrowing. It lets you pay for all your current and future living costs. And you become absolutely debt free in a fraction of the time that it would have taken.

Here is how it will work for you

Firstly, we will answer all your questions.

We will help you organise all the facts, creditor information, and income and expenditure details - with a clear outline of all the workable offers you can make.

Then arrange for a full consultation, completely free of charge with one of our recommended specialist Accountants.

Our firms are fully licensed and regulated to advise and legally represent you.

They are all experienced, understanding and very client friendly. With outstanding, verified, proven, success. They have great empathy for you (they know what you are going through) - and have built the trust and credibility with your creditors.

You will meet

• The very best creditor approved Accountants.
  
  
• Specifically chosen, with the ability and success in resolving your particular debt situation.
  
  
• They have excellent ongoing relationships with your creditors.
  
  
• They deal with them all every day!
  
  
• They will fully discuss and explain - all the options for your Arrangement - all the help you need in working out the exact amount you can afford to offer.
  
  
• The affordable figure will take into account all your household, living, and family costs, as well as your future expenses.
  
  
• The Accountants will expertly prepare, package and present your Arrangement for you, in the way your creditors can accept.
  
  
• Helping to protect your Home and other assets.
  
  
• You no longer have to deal with any of the creditors yourself.
  
  
• You immediately refer all your creditors directly to the Accountants - they contact them for you and explain what is happening - and handle any current pressure for you.
  
  
• All the legal and court work is completed on your behalf.
  
  
• There will now be one new legal agreement covering all your creditors.
  
  
• This is all done privately. There is no publicity, advertising or any employer contact.
  
  
• You will receive all the expertise you need to have your payments legally reduced. The interest charges stopped, one lower payment paid for a fixed time and then all the balances of your debts legally written-off.
  
  
• You pay the one new lower payment each month for a set time to the Accountants.
  
  
• The Accountants will distribute the ongoing payments to all the creditors for you (think of all the time and effort you will save, not having to make all these payments yourself).
  
  
• Your money is always kept in a secure client account. If anything was to happen to the Accountants, you would always get your money back from the regulatory authorities.
  
  
• Every creditor is treated fairly and equitably.
  
  
• Everything is organised for you from start to finish.
  
  
• Your recommended Accountants and their team will have successfully completed over 300 similar Arrangements to yours.
  
  
• Your creditors pay the major share of the costs. They insist you pay a share of the legal work (I am sure this does not come as any surprise).
  
  
• However, our Accountants always make this possible and affordable for you.
  
  
• Paid in easy stages based on your available income.
  
  
• The Accountants can only make a profit from the creditor's share of the fees.
  
  
• The Accountants pay us a consultancy fee, only after your Arrangement has been approved (you do not pay us any fees).
  
  
• So, you can be assured, we are all totally committed in ensuring your Arrangement is successful. And the results are guaranteed.

Why are we so successful?

• It really comes down to experience - over 23 years. And we are licensed under the Consumer Credit Act 1974.
  
  
• We are very grateful to all of our clients. Because since 1979 (even before this legislation existed), we have helped resolve every possible type of debt situation. Hundreds of times.
  
  
• We have arranged for thousands of clients throughout the UK to legally reduce and end their debt problems.
  
  
• Becoming entirely debt free. Quickly and easily.
  
  
• Without having to borrow any more money.
  
  
• No summonses, court actions and certainly not bankruptcy.
  
  
• All completed privately, with their creditors full permission.
  
  
• We only use the UK's leading specialist Accountants to represent you.
  
  
• Dedicated professionals with the skill, reputation and above all, proven results.
  
  
• To our knowledge, no one has more experience and success.
  
  
• You will like your chosen firm. You will have the confidence in knowing they can put this legislation perfectly in place and make it work for you.
  
  
• You will not be taking any financial risk to do this.
  
  
• If your Arrangement is not agreed, the Accountants will fully refund your legal costs, (remember you pay these in stages, based on the figure you can afford).
  

Let us start to reduce your debts - before your next payments are due!

This morning the postman probably brought you the latest bills and tomorrow he will deliver the next credit card statements, reminders or demands.

Now you do not have to agonize about finding the money. No more sleepless nights worrying about how on earth you will make ends meet. We can apply this legislation for you and take away all this misery for ever.

By the way, 1 in 4 people in the UK have a serious debt problem. However, this legislation is not for everyone. It is designed to help people who now recognize they have financial difficulties. Not to make you feel wretched or guilty about the situation - remember there were so many reasons that led to the debts. Thanks to this law, the problem can be handled for you and your creditors. By letting you pay back an amount you can afford.

Again, however you look at it, you can't do any more that this!

Now you can get all the help you need. Your creditors really can appreciate the problems and can radically reduce and legally write off a very high percentage of your debts.

Can you see what a crucial difference this will make to you and your family?

A brand new financial start

Not a lifetime of debt. No demands from all of your creditors. No need to increase your debts by borrowing more money.

You'll have a very positive financial budget. Without the unbearable strain on your income. No more worry and stress.

Just a greatly improved debt free financial future.

Please don't put this off

Let us bring you all the answers you need - to sort your debts out once and for all! We do realise just how painful it is for you to look at your total debt situation. But now you can get it all reversed, you are back in charge of your money. Nobody "owns" you anymore.

Imagine how much better you will feel. So why go on suffering unnecessarily?

Our recommended Accountants will always provide you with the experienced staff, knowledge, care, commitment and the results for your financial affairs.

We are very careful not to overload our Accountants with too many new cases. Because, we speak to so many people, and understandably, they want this legislation applied as they say, "right here, right now!" - often all our Accountants have to tell us they just cannot see any more clients.

They frequently get fully booked up. And then they must complete all these latest cases before they can accept any new clients. We definitely do not want you to experience any delays and further pressure.

So, please, if you have not already done so - pick up the phone and speak to me today.

Let me arrange your free consultation.

Ask me any questions. If you have any reservations. If you are cautious, worried or anxious - please tell me. We will not let you do this unless all your concerns are answered to your complete satisfaction.

We absolutely insist that you must be entirely convinced, happy, and comfortable with everything.

Even if you think all this is too good to be true -

Please give yourself the chance to actually find out.

You have nothing to lose and everything to gain.

Just call me on 0800 214 964. I will organise a suitable and convenient time and location for you - to meet the experts who will show you exactly how your Arrangement will be put expertly in place.

Unfortunately, you know the problem will not get better on its own

It could get much worse. And it is extremely hard for you to cope, all by yourself. You no longer have to struggle to keep all your payments up to date. This is probably increasing your debts every month.

There is no need for you to go into "battle" with your creditors to try to pay less. Doing this all on your own, you versus every last one of them, is more than difficult and time consuming. It becomes acrimonious and very frustrating.

And despite all your efforts, it usually breaks down. You really can end up in a far worse position.

Without the right help, and the legal answer, even if you are able to get your creditors to lower your payments, the reduced money you pay, may not achieve anything. In fact, your debts could continually increase with penalties, late payment charges and interest.

You will see how much easier it is when you use the legislation

Our Accountants are successful because they are experienced, properly licensed and regulated with complete creditor approval. Your creditors will listen to them. And understand your situation - and they are all willing to help.

Remember, creditors fully endorse this legislation (nothing else comes close)

They would far rather you did not borrow more money which will only add to the problem. And when all the limits have been reached, and you just can't borrow any more, they will not have the inevitable costs in endlessly chasing you for money that is just not available.

Even if things are already this bad for you, and creditors are taking actions, you can, and you really must use this legislation straight away - and prevent your situation from crashing altogether.

Every major creditor has told us, and asked us to emphasise - "please tell all your clients about the legislation, and ask them to consider this legal Arrangement, as soon as they are aware just how serious and unmanageable their debt situation really is"

This legislation is seen as being the best possible solution for you and for them. They save costs and get full tax advantages.

You will be thrilled with the results - no more interest, one affordable payment, paid for a fixed time with all the balances of your debts legally written-off.

So, put us to the test.

Let us prove we can provide you with all the professional assistance you need.

And bring you the best Accountants to put your new Arrangement in operation - and then it is all done, finished, your debt problems are over.

Call me as fast as you can

Please remember our Accountants will only act for you if they know they have the senior staff and their trained teams available for you.

We must of course prioritise our clients who want to benefit from the legislation and handle their debts right now.

Our experience shows, that the few people who decide to "put this off", come back to us in 3, 6 or 9 months time. Under intense pressure, with significantly more debt. We will of course do everything we can to help.

However, because of our new clients and the volume of work, there can be long delays in getting the consultations with the right Accountants. Please do not be left out.

If you "ignore" your current financial position and borrow more money - it will not solve the problem.

It will only add to your existing debts. You are only moving the debts from one lender to another. Of course, you hope to pay off some of the old debts. But then you have to re-use these loans or credit cards to keep the new payment going!

Worse still, if you keep borrowing we will not be able to apply the legislation - as the latest lender will not agree to legally reduce the recent borrowings.

Imagine your Life without being deeply in debt

Just think how much debt affects you and every aspect of your life…. How much does it cost every month?…. How much of your salary is used up on debt payments?….

When will it ever end?…. If it ever does end, how old will you be?…. Will you ever be able to retire?… Do you have to borrow more money each month just to keep all the payments up to date? …

Even if you are making all the payments, is this just covering the interest?… Are your debts ever going to reduce?…How much are your debts increasing?…

If payments are falling behind, how will you deal with the never-ending hassle and aggravation?…

Debt destroys your future. It causes terrible worry and stress for your family. It can ruin your health. No matter how hard you work, your income is gone the minute it is earned.

Morning, noon and night the problem continues. This is not how you want to live for the rest of your life.

Would it be fair to say that you are more than tired of the continual nightmare?

And now, at long last it is time for a complete change… And turn everything around.

But the problem will not go away on it's own. Unless you decide to use this legislation.

And the most difficult question is - if you do not take advantage of this legislation, how will you ever put an end to your debts?…

Please, let us legally crush your debts now - before it is too late.

So at last, you can relax. Find peace of mind. Plan a much brighter future for you and your family, by ending all the money worries. And get your life back.

We can't do any of this without you!

Thank you ever so much for reading all this. I know it is a lot to take in. It might help, if you can stand it, to re-read the whole thing a couple of times! (make sure you have another cup of tea!).

You are not alone with debt; it really is an epidemic problem throughout the UK. Try not to feel bad about your situation. Sometimes fear or pride gets in your way and stops you from using the right answer.

But just look around at your friends, neighbours, and work colleagues: how on earth did they manage without using credit cards, loans, and overdrafts?

In the beginning, none of us had any choice, we had to borrow.

But our incomes never let us cope with all the payments, interest charges and further lending - it always ends in great difficulty. Most people never discover that this legislation even exists - unfortunately they just head for total financial ruin, and by then, it is far too late to put things right.

For you it will be so different - because-

You of course now have the answer.

Astonishingly, the problem is not actually the debts, these were unavoidable - the real problem is not taking the action to get them handled, your debts legally reduced, and back under your control.

And if your creditors are happy to legally write-off a high percentage of your debts, because they save costs and get tax advantages, then use this law, and let them do it for you!

Please remember, we will help you prepare all the details and give you all the assistance, advice and support that you could ever need.

So now, it is really up to you. You can ignore everything and try to carry on. Or see exactly how this legislation will work for you.

We are all ready to jump into action for you!

The Accountants are primed and expertly prepared. Your creditors want to help; our people are here, next to the phone, waiting for your call.

So let us all -

Get your debts legally reduced, fully under your control, and made very affordable.

All you have to do is phone me.

I will arrange your free consultation. To show you how everything will be put in place. One new comfortable monthly payment. Paid for a limited time. No more interest charges. With all the balances of your debts legally written off.

All organised privately, with the full agreement of your creditors. With guaranteed results.

This will make a big, probably the greatest change to your life. Money does make the world go round (it's a dreadful saying, but it is true). With uncontrollable debts, your world crashes to a grinding stop.

Not anymore - because without crippling debt payments everything improves.
You'll feel years younger and a lot happier (you will be able to smile again). Your health gets better (your blood pressure goes down).

People will look at you in amazement and ask, "What happened - you look so different, relaxed, calmer and far less stressed - how did you do it?"

You may smile (there, I knew you could) and with a new inner confidence simply say -

"Well, thanks to the politicians, the government, and a dazzling piece of legislation, a consultant (that's me by the way), an excellent firm of Accountants, I am in a wonderful position where money is no longer a problem!"

And you will have the legal papers to prove it!

Please call me right now on 0800 214 964 and we can all start to make this happen for you, immediately.

Yours sincerely,

Steve King

S T E V E K I N G
Group Executive Director

P.S. With over 20 years proven experience. We will bring you the correct legal answers, and all the help you need for your precise financial situation.

With the successful results you want quickly, easily, and privately.

All your debts grouped together. The interest stopped. One affordable monthly repayment. Paid for a fixed time. And then all your outstanding debts are legally written off.

Everything is made possible and affordable for you - with your creditors complete approval.

With guaranteed results.

P.P.S. One more point, which proves you really must handle your debts now and stop them from increasing -

If you have just one credit card (if only that was the case!) with a balance of £3,000.

The monthly interest rate is 1.492%.

And you pay the minimum repayment of 2% every month.

It will take you 48.5 years to repay!

Yes 48.5 years! Incredible isn't it?

And you will be charged £8,215.08 in interest!

Please call me today so we can make sure your debts are greatly reduced and made affordable.

"Some people see things as they are, and say "Why?"

I dream of things as they could be, and say "Why not?"

George Bernard Shaw

© King and Company 2005 - All material except the GBS quotation.