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What is Debt Consolidation?

Debt consolidation is simply a way of putting all your debts into one payment plan or product.
The idea behind it is that the consolidation will have just one smaller and more affordable monthly payment. You will also just have to deal with one company.

Debt Consolidation could help you if:

  • you're finding it hard to manage all your debts
  • you're being charged for late payment/non-payment of your debts

Debt Consolidation Plan

Debt Consolidation Advantages

  • All current repayments on credit cards and loans are converted into 1 monthly payment that is generally easier to manage and keep track of.
  • Interest rates can be usually lower, so you may have a more affordable payment.
  • Less pressure and harassment from dealing with multiple creditors.
  • In the long run you may save money and you will have a date when the loan will be paid off if you keep to your repayments.
  • Could help your credit rating as you will be less likely to default.

Debt Consolidation Disadvantages

  • Don't be fooled into thinking you have cleared your debts. You have just shifted the debt to a different payment plan.
  • Be wary of interest rates. Try to get a fixed rate if you want a payment that doesn't change.
  • Debts will be repaid over a longer period of time than if contractual payments were made.
  • Fees may be payable to arrange the new loan.
  • If you have a poor credit rating you may have a higher rate of interest to pay which can mean it is less affordable. Another debt solution may be better for you.
  • If you get into difficulties making the new payments it can be harder to deal with only one creditor if you are then looking at a debt solution for example.

Debt Consolidation Testimonial

Is consolidation right for you?

If you're juggling lots of different debts on credit cards, store cards and loans it can be very difficult to stay on top of them all. One missed payment can lead to increased debt, bad credit ratings and the spiral of debt will just continue.

Lower your repayments today with debt consolidation

Talk to one of our debt consolidation experts and find out if one of these could be the answer to your debt problems.



Get Debt Advice


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Money Advice Service


You can get free debt advice from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. Click here for more information.

Fees and key info


We are happy to provide you with debt advice only. We only charge a fee if you opt for one of our debt solutions. Fees will depend on which debt solution we provide and what your personal circumstances are. All fees will be discussed prior to commencement of any service or debt repayment plan.

Click here to read our fees and key info

Please note: From time to time we may refer you to other services providers or charities such as the CAB.

Client Testimonial

Saved my life

I will be forever grateful to National Debt Relief for getting my life back. I would recommend this company to anyone that is in bother. Call them and they will do all they can to help you.

Client Review

Chat to us online


If you have any questions about your problem debts you can have an online chat with one of our expert debt advisors.

You can chat to us via your computer or mobile device 6 days a week from 8am - 8pm, Mon - Sat

Click here to chat with a debt expert now