Don't hesitate if you're thinking of using Debt Concerns Ltd. My husband and I were drowning in debt and couldn't see a way out, until we spoke to Carl at Debt Concerns. We now have an IVA set up with affordable monthly payments and our property is secure. We couldn't see light at the end of the tunnel and didn't know where to turn next until Carl reassured us and supported us to find a solution that worked for us. We now sleep at night and feel a great weight has been lifted. Carl talked us through every step and was always available to answer our questions. We were paying £1100 a month out on credit cards and loans, on top of bills and living costs but now we only pay £200 per month. Please swallow your pride and contact Debt Concerns today. We are professional people and due to ill health we had to change career paths, which meant our income decreased dramatically; This sent us on a downward spiral financially and we thought we'd lose everything. Every day was an emotional battle, worrying about how we'd afford shopping or even fuel to get to work. The stress alone was impacting on our health, so if this sounds like you please don't suffer in silence anymore as we did, there is a solution out there.