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| Frequently Asked Questions. |
Have a question? Please take a minute to review the following questions.
All the questions are listed first. To see the answer to individual questions simply click on the question.
If you don't find an answer to your particular question here, feel free to email us at info@the-debt-lifeline-system.co.uk or call 08000 31 95 85. |
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1. Why do you call your approach the Debt LifeLine System™?
It's simple really. Through the years of experience (and believe me this is something that we've got in abundance) people get into to debt through a lack of judgement. They genuinely feel they can handle the amount of money they are borrowing via credit cards or loans.
The problem is things don't go to plan. Their life changes or doesn't go where they thought it would. The result is that honest people are left feeling like criminals because they are hounded by their creditors. Creditors use what we call ‘scare tactics' to frighten people in debt to pay (even if it means creating more problems).
This is when they need help, advice and counseling on what to do. They need to be shown that there is a way that they can legally start again without going bankrupt. Without meeting the demands of each and every creditor that knocks on their door.
They need someone that isn't going to judge them. They need someone to give them a solution that will put their life ‘back on track'. They deserve a second chance based on a simple philosophy of ‘affordability' combined with a lot of ‘common sense' and experience.
That's why we call it our system a ‘lifeline'.
2. What makes the Debt LifeLine System™ different to other debt management companies?
The conventional approach that is used to supposedly rescue you from debt is to wrap your debt into one big loan. Even if the you can afford the loan, you haven't dealt with your debt problem, you've merely put it off. The debt is still there and you will end up paying through the nose (usually thousands of pounds more) to clear it all off.
We come from a completely different angle….
We know your future happiness and financial strength depends on you becoming debt free by someone agreeing a debt repayment plan you can afford, which doesn't last forever.
That's why we do ALL the negotiating for you.
That's why we apply our world-class debt systems to make your
life a happier place. That's why we help you with the right
advice at the right time. That's why we put you first and
your debt and creditors second.
Frankly, we don't take prisoners when it comes to renegotiating your situation with your creditors in favour of you and not them. And that, to put it bluntly, is the key to your (and our) success!
The whole process we take you through means you will be able to…
- Easily afford a repayment plan leaving you with money to spare
- Have all of your interest charges stopped
- Live in a normal stress free environment
- ‘Write off' all outstanding debt at the end of the repayment plan (up to 75%)
- Be completely debt free without taking out another loan
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3. What guarantee do you offer?
All clients of the The Debt ‘LifeLine’
System™ have the luxury of a cast iron and amazing
“we’ll pay you £250” guarantee…
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1. The Debt LifeLine System™
is completely FREE.
2. You’re immediately protected from
all your unsecured creditors (including credit cards,
loans, overdrafts, etc).
3. None of your assets such as your
house can be taken from you.
4. All interest on your debts will
be frozen.
5. All of your unsecured creditors
will be legally obliged to write off up to 75%
of your debt.
6. You won’t have to take out
another loan.
7. All the creditors who don’t
want to help will be forced to do so.
8. Your creditors will have
to stop chasing you.
9. You will never have to deal with
a creditor again.
10. You will avoid the stigma of bankruptcy.
11. You will avoid your situation being
made public in your local newspaper.
12. The Debt ‘LifeLine’
System™ is only implemented by professionally
qualified and licensed representatives.
13. If the Debt ‘LifeLine’
System™ doesn’t deliver all of the
above then we’ll give you £250,
no questions asked!.
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4. Will the ‘the Debt LifeLine System™ work for MY life?
We get asked this question a lot. And we can understand why this question gets raised so frequently. However the question is wrong. The question should be: "Does my situation work for the Debt LifeLine System™?”
It really is that simple. We've proven we can take any type of person and transform their fortunes by applying our Debt LifeLine System™ to their situation.
The key however is selecting the right situations in the first place. Your situation must be recoverable. It must meet certain criteria, which we base our selection process on. If it doesn't - we can't help. Why? Because it just doesn't work for every person that's in debt.
That's why before you contact us we urge you to take our ‘Debt Rescue Assessment' (It takes just a few seconds to complete).
If you score over 51 points then you're situation is one that we can definitely help with. |
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5. How long does it take to setup the Debt LifeLine System™ for someone who's in trouble?
Surprisingly it takes just a couple of weeks to get your life ‘back on track'. What we mean by ‘back on track' is that you're in a position to create an agreement with your creditors which will mean a payment plan you can afford (which lasts only for a limited time), all interest charges will be stopped and the rest of the outstanding debt will be written off at the end of it.
Yes, a couple of weeks sounds quick - and it is, but with our 'battle tested' system it is possible - in fact we guarantee it!
6. How long does the repayment plan last for?
As I mentioned above, your life will be ‘back on track' in just a couple of weeks.
You're repayment plan lasts as long as it needs to. For some it's a few months, for some it's a few years. Remember, the key is you will be able pay what you can afford ( allowing you to live a stress free life ) and at the end you will be able to write the rest off!
Our goal (and it should be yours as well) is for you to be DEBT FREE in the shortest possible time with the least amount of fuss.
We don't call our approach the Debt LifeLine System™ for nothing!
7. There are lots of companies dealing with debt, so why should I choose you?
This is a great question, and one you should ask yourself whenever you're choosing any product or service. It's also a question we love to answer because what we do is so unique.
Here are not 2 or 3, but 13 reasons why you should choose us to help you turn your life around and guarantee that all your debt is a thing of the past…
REASON 1...
You're immediately protected from all your unsecured creditors (including credit cards, loans, overdrafts, etc): One of the questions we're often asked is: "How can you protect me when I still owe my creditors money?”
It's easy. We have two secret weapons in our armoury – ‘The Affordable Debt Repayment Programme' and a legal authorisation to act as your debt advisor. As soon as we contact your creditors we let them understand your situation and that we are working with you to resolve it using our ‘Affordable Debt Repayment Programme'.
They know that the programme guarantees that they only receive part of the debt. But they also know when they do the numbers, that part of something from all of the people that use the Debt LifeLine System™ is a hell of lot better than getting a lot of nothing.
Also because of our professional status they know they can't persuade us or pressure us into paying back debt you can't afford. They know they're dealing with professionals who won't be pushed around. Immediately the boot's on the other foot.
This truly superb way of dealing with your debt ensures your situation will be under control in less than a few weeks.
Here's a breakdown of the key steps within the Debt LifeLine System™'...
- Phase 1 – Contact your creditors
- Phase 2 – Inform them of your situation
- Phase 3 – Agree for all debt demands to stop
- Phase 4 – Stop all interest and penalty charges
- Phase 5 – Arrange an affordable amount to repay
- Phase 6 – Schedule your ‘Affordable Debt Repayment Programme'
- Phase 7 – Negotiate your ‘Debt Write-Off Allowance'
- Phase 8 – Agree the date from which you will be debt free
REASON 2...
None of your assets such as your house will be taken from you:
The Debt LifeLine System™ is a fail safe way of protecting you from bailiffs and courts initiating proceedings which lead to you losing things you own.
As soon as you become a client we immediately contact all of your creditors and let them know that ‘'Debt LifeLine' is handling your situation and that we are using the Debt LifeLine System™ to manage your affairs.
From that moment on, any and all correspondence is handled efficiently without you needing to open one letter or answer one phone call.
This means that nothing ever gets past us. That's right nothing. We know the law and we can't and won't be bamboozled into decisions that jeoperdise your asset base.
We work with you as your guardian angel building your financial strength by protecting you from people who couldn’t care less about you and your family.
We're in for the long haul taking away all the potential problems you could encounter trying to clear up your debt affairs on your own. In effect you're using our huge expertise to leverage your freedom from debt.
REASON 3...
No Up-Front Cost / Risk Free Approach: One of the most amazing and revolutionary things about the Debt LifeLine System™ is the way it pays for itself.
When we came into this business over 10 years ago, people in debt were being charged upfront fees for the services they were receiving – no matter how bad their financial situation had become!
So we went to the lenders and negotiated a payment system where we arranged to be paid by them and not you. This has a huge benefit … - You’ll never be charged a penny no matter how much work we do for you, no matter how many letters or phone calls we deal with on your behalf.
REASON 4...
We Don't Get Paid Unless It's Affordable : As I said earlier the way we get paid ensures you get our total commitment. You see for us to make a living we must get your creditors to agree to a payment schedule you can definitely afford (this always works out to be something you're more than comfortable with than they are). The reason for this is simple – we don't get paid by your creditors if you're not able to keep up the repayment schedule we set up.
REASON 5...
No Hourly Or Daily Rate Fees: As I've already said, we're not like conventional consultants. We don't charge by the hour, or by the day.
Every second of every day that we put into your situation has one goal - to make you debt free in the shortest possible time. It's in our interest to get things setup for you as soon as possible, so you get your life back to where it should be – enjoyable and stress free.
REASON 6...
All interest on your debts will be frozen : Because 100% of our fee is gained only through the success of you repaying what you can afford, we have a massive desire to make it as easy as possible to do so .
One of the things that stops people in debt being successful in repaying what they owe is escalating penalties, charges and ridiculous interest rates.
The Debt LifeLine System™ has put a stop to this for the clients it serves. As soon as we contact your creditors they immediately know who they're dealing with and they know that adding ‘money for nothing' to your debt when Debt LifeLine is involved is not one of them. This amazing benefit ensures you've got every chance of getting out of debt and starting a fresh – it's as simple as that!
REASON 7...
Your creditors will have to stop chasing you : Working in partnership with us means that your creditors have to stop chasing you. The reason is that we are a professional body that operates in a highly regulated market.
That means there are rules and they have to be followed by everyone – including your creditors. And the key rule that is mutually understood by your creditors is that once we are acting on your behalf using the Debt LifeLine System™, they have to deal with us if they want to see a penny of the money you owe them.
REASON 8...
All of your unsecured creditors will be legally obliged to write off debt that you cannot afford to repay : When we set your payment schedule up using the Debt LifeLine System™ there is a bonus that many people find hard to (or don't) believe when we first explain it to them. We call it the ‘ Debt Write-Off Allowance'
But the fact of the matter is that it's true! What we've done, as part of the Debt LifeLine System™, is agree with your creditors that as long as you keep to the payment schedule set out by us with them, at the end of it the outstanding monies owed will be written off!
Now we can't make promises on how large your ‘Debt Write-Off Allowance' will be because it varies with each individual case. But when we tell you the full details – you'll be staggered how much the Debt LifeLine System™ can actually write off!
REASON 9...
All the creditors who don't want to help will be forced to do so : Here's another great reason why we named it the Debt LifeLine System™. Quite simply if we follow the system through it forces creditors that don't want to help into a corner where they have no choice but to co-operate.
How is this possible you ask? By following the system we ensure that the creditors who you owe at least 75% of the money to, agree to the proposal produced via the Debt LifeLine System™ first.
From that point it doesn't matter what any other creditor says or tries to do. They have to play ball – it's the law!
Because we understand this key piece of knowledge we have an amazing success rate of getting people back on their feet in timescales you wouldn't believe!
REASON 10...
We Do 99% Of The Work: This is perhaps one of the things that you'll quickly grow to love us for. Because we work for and with you, we do 99% of the work. All you have to do is sit back and let us do all of the key negotiations for you. It makes sense since we're the experts not you (with respect). Therefore you gain in two ways...
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You get best of breed professional advice applied to your situation, and there's no learning curve (we've been there, done it, got the T-Shirt, so to speak) |
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Your time input is small. Needless to say your input is still vital and critical to the resolution of your debt situation, it's just we handle the majority of the work. And you handle getting on with your new life! Perfect! |
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REASON 11...
An Experienced ‘Caring Team' Without The Expense: You get a truly amazing support structure when you use the Debt LifeLine System™ - completely FREE.
The many hours our experienced Debt LifeLine personnel put in to make sure you’re in the clear with your creditors, would cost you hundreds or even thousands of pounds if you used a conventional debt management company.
Here's the support structure and team we put in place for you...
- The moment you contact us you will speak to one of our ‘kind and
reassuring’ ‘Debt Advisors’. They will be able to quickly and easily
guide you in terms of the information we need to help you get back on
your feet. He or she will listen and advise so you are never in the
dark.
- Your own dedicated, experienced, fully trained ‘Debt Counsellor .' They
will help you pull together any information and always keep you up to
speed with anything you need to know as far as your own situation is
concerned.
- Your own ‘Debt Negotiator’ whose main role is to ensure your debt
is successfully reduced so you can easily afford to pay off any balance
over a fixed period. Your Debt Negotiator also has a major
responsibility in arranging your Debt Write-Off Allowance
Being frank with you, there is no better team or support structure in the world of debt management today!
REASON 12...
Quick Setup So You Can Get On With Your Life: The Debt LifeLine System™ was created by experts with years of experience and with a genuine desire to help people in difficult circumstances.
Because of this one of the goals of our business is to deal with every case from start to finish in as little as a couple of weeks.
This includes dealing with every creditor organising the relevant meetings (none of which you have to attend) and finalizing agreement on your minimal payment schedule and Debt Write-Off Allowance.
That's not bad is it? |
| And finally... |
REASON 13...
The Debt LifeLine System™ was designed for people like you : One of the biggest problems with debt is that people who are in it think that they're the only ones in this situation. NOT TRUE! In fact it's so easy to get on the wrong side of debt today that more and more people from all walks of life are falling foul of the system.
That's why we don't judge. All we do is make sure you're protected and allowed to get back on your feet as quickly and painlessly as possible.
We deal with people from all manner of backgrounds. From people that are civil servants to people that work in supermarkets. From managing directors to first time employees. Even some of the people that work within our business have been in trouble with debt. So you are dealing with real people who really care about your well being.
To give you a clearer idea so you don't feel bad here are just a few of the roles that get into debt every day and need the Debt LifeLine System™…
- School teachers
- People in the armed services
- Social workers
- Nurses
- Doctors
- Lawyers
- Accountants
- Factory workers
- Shop workers
- Advertsing and marketing people
- Business owners
You name it, we have or will deal with people that you would struggle to believe could be in trouble with debt.
When you look at it like this you feel better because all of these people just made some decisions that went against them. That's not a criminal offence. It's just part of life.
Our view is that it's all about what you do next
and not what you've done
8. How much do you charge for putting in place the ‘Debt LifeLine System™'?
Nothing. We don't charge you a single penny.
You see the Debt LifeLine System™ is FREE to you. That’s right
– no risk. I know it sounds too good to be true but it's what
makes the way we help people like you so unique.
There are no catches – it does what it says on the tin!
9. How can you afford to do EVERYTHING for NOTHING?
To answer this question you need to understand that successful debt management relies on one key word – AFFORDABLE. If you can’t afford the debt your in you’re not going to repay it. Simple as that.
What the Debt LifeLine System™ has done is understand this key concept and come up with a solution that suits you and that suits your creditors.
You see we don't work like conventional debt management companies who charge you upfront to work for you. The reason is simple. The success of the Debt LifeLine System™ depends on you maintaining a payment schedule you can afford. Nothing less and nothing more. If you don't keep to it and don't see it through we’re all in trouble – you, your creditors and us. So you see we make sure you only pay what you're comfortable with, no matter how small an amount of money that works out to be.
In other words we put a stop to debt payments that cripple you – without you having to lose possessions or your way of life in the process (often we can do this immediately after the first time you contact us).
But here’s the thing. By the Debt LifeLine System™ working out what you can afford to comfortably repay, your creditors always get some money back without having to chase you. This saves them £millions! (not surprising when you think how many people in this country are struggling to make debt repayments).
And in return for this guaranteed flow of money, they pay us for the trouble. This allows you to receive all of our years of experience and trusted relationships with your creditors, for FREE!
It's a win-win 'partnership'...
10. How are you able to stop all interest and penalties on my debts and have a large % of my debt written off?
If you read the answer to question 2 above, you'll quickly see why we are different from all debt consolidation companies.
The whole basis of what we do hinges on the creditor being able to get something rather than ‘a big fat zero'. They know that if you've arrived at our door they are in danger of getting absolutely nothing.
So it's in their interest to come to an agreement. And that
agreement (we insist) must include an ability for you to
be freed from debt if you give them some of their money
back.
But for this to happen your creditors have to immediately stop interest charges being added to your debt and agree to a fair % of your debt to be written off.
Believe me, it's as good as it sounds!
11. Are there any hidden costs you've not mentioned?
No . Quite simply what you see is what you get.
So let me just reiterate...
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No Legal Fees: You don't need a solicitor to make this happen. We are regulated to operate as your advisor and are very proud of our reputation in the marketplace. |
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No Consultancy Fees: We're not consultants. No disrespect to any decent consultants out there but we won't be borrowing your watch to tell you the time! |
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No Expenses: We don't have to travel to see you and you don't need to leave your front room for us to do everything we've explained above. It's all done on the phone with experienced people who abide by stringent and proven systems. |
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Remember, our Debt LifeLine System™ works because it's affordable.
Otherwise it doesn't work. Simple as that. |
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12. Is it true that you do 99% of the work?
Oh yes ! You couldn't even try and attempt to do this stuff yourself. We're the experts. We know what we're doing. We know what gets results. With respect you don't.
This is perhaps one of the things that you'll quickly grow to love us for. Because we don't get paid unless you become debt free we do 99% of the work. Yes, that's right – always in your best interests and not your creditors. All you have to do is agree to…
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Pay less debt every month so you've got money in your pocket at the end of it |
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Write a large part of your debt off so you can live a life rather than dread it |
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Your time input being small. Needless to say your input is still vital and critical to the success of our communications with your creditors, it's just we handle the majority of the work. And you handle the running of your new life! Perfect! |
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13. Okay, I'm impressed. What's The Next Step?
If you are serious and dedicated to reversing the vicious circle of unaffordable debt repayments, there are 2 simple steps you need to take right now... |
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Complete The Debt Rescue Assessment
Check to see if your situation qualifies by completing our on-line Debt Rescue Assessment. This gives you an instant indication of the viability of using the Debt LifeLine System™. Click here now to complete the Debt Rescue Assessment. |
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| STEP 2: |
If You Qualify, Make Contact With Us
If you score over 51 points on the Debt Rescue Assessment complete and submit the on-line FREE No Obligation Telephone Meeting form or phone us direct at 08000 31 95 85. |
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| Then if we're both happy to proceed further, STEPS 3 and 4 come into play... |
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| STEP 3: |
Call And Discuss (FREE & No Obligation)
When we first speak, one of our ‘Debt Advisors' will confirm your answers to the Debt Rescue Assessment and immediately identify the quickest way to take the pressure off. Once we've outlined the way forward you will be in a position to make your own mind up whether you want to use the Debt LifeLine System™ to rescue you from debt or not. |
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Activation of the Debt LifeLine System™
Once you feel that everything we've laid out is common sense, we're who we say we are in terms of caring about you and that what we are proposing is affordable (remember you don't pay a penny for the service and only pay a fraction of the debt back) we'll prepare your Debt LifeLine Welcome Pack, which explains everything in detail. Even at this stage you're under absolutely no obligation to proceed. Don’t forget that everything we do is guaranteed. Click here to read our Amazing Guarantee NOW. |
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If you find one of your questions isn't answered above, please feel free to contact us...
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If you haven't done so already, please take a moment to sign up to our free 3 part course...
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