If you are struggling with credit cards, personal loans, overdrafts or other personal debts, finding the right solution can feel overwhelming. Our personal debt help is designed to make your options clearer and help you understand the next steps.
Acme Credit Consultants is based in West Drayton and supports people across the UK who are experiencing financial difficulties. We review your income, essential living costs and debts, then explain the options that may be suitable for your circumstances, including free sources of debt advice where appropriate.
Your initial consultation is free and confidential, with no pressure to proceed.
We look at your income, spending and debts one to one, and explain your options. If you choose one that we provide, such as a debt management plan, we set it up. For others, such as an IVA or bankruptcy, we explain how they work, and someone else runs them.
We’re authorised and regulated by the Financial Conduct Authority for debt counselling and debt adjusting (firm reference number 666760). That covers advice on personal debts such as credit cards and loans. HMRC and company debts aren’t FCA regulated, and have their own pages.
This is an informal arrangement that allows you to repay your debts at a rate you can afford. Our team negotiates directly with your creditors to lower payments, freeze interest and stop late fees as part of our personal debt solutions in London.
You can simplify your repayments by consolidating multiple debts into a single, more manageable monthly payment, often resulting in a lower interest rate and making your debt easier to manage.
This is a legally binding agreement that lets you pay off a portion of your debts over a set period, often leaving you completely debt-free at the end of the arrangement.
If other solutions are not suitable, we provide advice on whether bankruptcy is appropriate and guide you through the process with professional support.
An offer to pay a lump sum to settle a debt for less than you owe. The creditor decides.
You tell us what’s going on. There’s no charge and no pressure.
We look at the numbers. What you owe, what comes in and what goes out each month.
We go through your options, including free ones and ones we don’t provide. You’ll hear the downsides as well as the benefits.
If you go ahead, we set everything up and keep you updated. If you don’t, you’ve lost nothing.
First and foremost, we help you create a realistic budget that covers your living expenses while simultaneously ensuring consistent payments toward your debts, thereby giving you complete control over your finances.
Our experienced team works directly with creditors on your behalf to help achieve the best possible outcomes.
Your privacy and trust are our top priorities, and we handle your financial matters with complete discretion.
As a London-based company, we understand the financial challenges of living and working in the capital and provide solutions suited to your circumstances.
You can speak to a debt advice organisation to understand your options. Depending on your circumstances, these may include budgeting support, a debt management plan or a formal insolvency solution. Free independent advice is also available from organisations such as MoneyHelper and StepChange.
Missed payments, defaults and certain debt solutions can affect your credit file. The impact depends on your circumstances and the solution used.
Acme Credit Consultants is based in West Drayton and serves people across the UK. Contact us to discuss your circumstances and the support available.