Our Services
Debt Management   - If you have relatively low debts but struggle to meet your repayments.
Debt Consolidation   - Our team can explain the debt consolidation choices available to you.
Debt Advice   - We offer confidential debt advice and help on all debt solutions.
IVA Advice   - An alternative to Bankruptcy if you have a significant amount of debt.
Trust Deed   - Available to those living in Scotland.
Bankruptcy   - Considered only if all other debt management & IVA options are exhausted.
PayDay Loans   - Short-term loans until payday.



Debt management by Been Refused Finance


Been Refused Finance are specialists in Debt Management, IVA and Bankruptcy arrangements. There are many financial products available to get yourself out of debt, our team of experts at Been Refused Finance can help you select the right solution to lift the heavy burden from your shoulders.


Debt management


For people with reletavely small debt problems and are struggling to keep up with repayments. Been Refused Finance can help so you can:

Debt consolidation


For people with large amount of debt problems and are being threatened with legal action, and or monthly out goings higher than their wage.















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Is debt relief possible if you're knee deep in debt?

Are you knee deep in debt? If answered yes, you need not worry, as you're not alone. With the rise in the US national debt level, a large number of people are rushing towards debt relief services. Debt relief exists to help the consumers who are financially distressed and can't look for options out of debt. Only a debtor knows how tough it is to stay in debt. The more you accrue debt, you'll tend to hurt you credit score and this will gradually diminish the chances of obtaining new credit. Therefore make sure that you get rid of debt as soon as possible and lead a stress free life. Read on to know about the various options that will help you eliminate debts.

1.Debt consolidation program: This is perhaps the most common way of reducing your debts. You can seek help of debt consolidation programs and reduce your debts to a certain extent. As you sign up with such a company, you will be helped by a debt consultant who will negotiate with your credit card lenders, on your behalf. He will attempt to reduce the interest rates on your multiple credit card debts and this will automatically lower the monthly payments. You will be benefited to a great extent because you will just have to make a single monthly payment instead of making multiple payments. This will free you of the tension of remembering multiple due dates.

2.Debt settlement program: A debt settlement program is one among the many options of debt relief usa. This program is best considered when you have no other option left but to file bankruptcy. Through settling your debts, you can decrease the outstanding balance to its half and thus save a lot of money. Your debt settlement consultant will negotiate with your creditors and convince them about the settlement amount. This cut off amount ranges from 40-60%. You must be aware that debt settlement affects your credit score, if not done carefully.

3.Bankruptcy: This is the last option that is chosen by most debtors when they can't arrange money for their huge credit card payments. It is then when they actually file bankruptcy and declare their inability to repay the debts, legally. Before thinking of filing bankruptcy, you must be aware that bankruptcy stays in your credit report for 7years or more. Thus your credit score will be hurt significantly.

Thus, if you're a debt struck consumer, seek help of debt relief usa. Take into account the above mentioned options to free yourself of the burden of debt and lead a happy life.

http://www.debtconsolidationcare.com/debt-relief.html