do you need to pay or have a company manage your debts - e.g. something like an IVA? Can't you just do that yourself? ie. all they do is negotiate with creditors and say 'look, he can't pay this much, the only way you'll get anything is t accept £50 a month off each card/loan' then pass that onto you to pay? Aren't they just middle men we can do without? I am capable of calling my loan company and credit card company and saying, look I lost my job, can I arrange to pay x amount a month til I get back on my feet? isnt' that all these companies do??? What do they offer that I can't do myself? do credit companies negotiate better with 3rd parties????
I don't have £450!!
Nat know - but what does the 'expert' do that I cant' this is my question?
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