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If you owe money to multiple lenders, there's a good chance your finances are more complicated than they need be. So there's a good reason to get some expert help with your debts.

Making different payments to different lenders every month can give anyone a headache - and most people in that situation probably couldn't say exactly how much they still owe, let alone how long it'll take them to pay it all off.

The good news is, it doesn't have to stay that way. We can help.

Debt consolidation is a simple idea, but it can deliver serious benefits. Simplifying your finances, reducing your paperwork, cutting the time you spend setting up and changing direct debits and other transfers - debt consolidation can make your debts so much easier to stay on top of. It can save you money too.

Having said that, debt consolidation isn't always the answer. Depending on your financial circumstances, you may be better off with a different debt solution - a debt management plan, perhaps, or a remortgage.

If consolidation is the best way for you to tackle your debts, you should never use a loan to pay off debts without talking it through with an expert.

For free, no-obligation, confidential advice, call us on 0800 970 7671. Tell us where you stand with your finances and we'll help you explore your options.

Expert advice - the sooner, the better

Keeping up with multiple debts isn't just hard work - it's potentially dangerous too. The more payments you're 'juggling' on a monthly basis, the more likely you are to miss one sooner or later, and that can mean charges, higher interest rates, even damage to your credit rating that can make it harder and more expensive to get credit for the next six years of your life!

Consolidating your debts sooner, rather than later, could seriously reduce the risk of missing payments. How?

• First of all, it's just easier to remember just one payment.
• Second, it's easier to budget for - you'll know exactly how much you need to set aside from your monthly budget to make your payments.
• And third, your monthly payments could be lower: consolidating your debts gives you a chance to rethink your finances and figure out what you can realistically afford to repay every month without pushing your monthly budget too far.

We can help you find out if debt consolidation is right for you.