Welcome to www.kent-debt-advice.co.uk, the web site for "Forward Investments".

Do you feel up to your neck in debt? Feel that there is nowhere left to turn? Many people throughout the UK are in debt of some form or another. Easy credit, easy mortgages, shop cards and loans, spending on credit cards etc., have all contributed over the years to produce a society that lives on borrowed money, building up debts that can spiral out of control.

With our expertise in dealing with all manner of financial issues, we can help you to relieve your burden of debt. In some cases, we can help to reduce your debt by as much as 90%, allowing you to get on with your life.

What Do We Do?

There are many ways out of debt, some better than others. What it is important to understand is that we are not in the business of debt consolidation. We do not consolidate loans; this is quite often the entirely wrong method to address debt. Debt consolidation simply elongates the period over which the debt is paid off, which therefore increases the overall cost. Taking out a loan will almost invariably be against property, so you risk losing your house, car or other possessions if you fail to maintain payments.

Instead, we negotiate your debt with your creditors on your behalf.

What is the procedure?

As licensed by the Department of Trade & Industry (DTI), we will sit down with you, discuss your situation and collate your documents to ascertain your financial position. We will then write to your creditors to advise them of your situation and negotiate with them on your behalf, to settle the debt. The negotiation often takes 6 - 12 months, the aim to settle the original debt at a much lower figure, sometimes as low as 10%. Whilst the process is on-going, you should not be hassled by your creditors - they will be dealing with us instead.

Other means of reducing your debts include referral to a financial advisor, if desired, who may be able to remortgage with a view to lowering your monthly payments.

How Does it Work?

We write to your creditors enclosing an Authority Letter signed by yourself and ask for them to correspond with our negotiators. This means that you can relax for the first time in a long while.

We will calculate how much better off you are, now that you are not servicing the debt. We ask for a percentage of this amount to be paid to us to create a ‘fighting fund’.

It will normally take 6 months for the first creditor to settle. Once all creditors have been dealt with, any balance remaining from your fighting fund is returned to you.

What is the next step?

Please contact us, either by telephone, email or post and let us take the pressure off you. Let your creditors deal directly with us and get on with living your life in the knowledge that you are at last handling the issues that have been affecting you.

Why should you use us?

In answer to that, please read what a few clients have said recently.

• Mr. "Y", from Tankerton, Kent
• "ABC Ltd"., Margate
• Mr. "A" Ramsgate