It can be daunting speaking about your financial situation to a professional adviser. That's why all our advisers are trained to be professional but friendly at the same time. When you speak to DMS you won't find us judging you. You'll just receive confidential, clear and useful advice.

The most important factor in any debt solution is that you feel comfortable with the course of action you are choosing. At DMS we always allow you to take a step back and sleep on your decision before we go ahead. This way you remain in control and our job is to provide all the support you need.

As soon as you let us know that you are ready to proceed, we will take care of everything for you. We'll ask you to send us some recent statements and details of your income and expenditure, and we'll get on the phone to our contacts at the banks and credit companies, negotiating reduced monthly payments and frozen interest and charges.

Throughout your Debt Management Plan we will keep in regular contact with the creditors. If they threaten to charge interest again, we will contest that decision. It's our job to keep interest and charges as low as possible and to keep your creditors co-operative so that you can get clear of debt as quickly as possible. What's more, you'll always be able to get hold of an adviser when you need them.

Although it may not seem like it today, the time will come when your debts are well and truly behind you. At DMS it is our job to ensure that time comes sooner rather than later. We take our responsibility to our clients extremely seriously, so you can rest assured that you will be in good hands.