Deciding to look for a debt solution is a very big step, as it involves admitting to yourself that you can't sort things out by yourself. At this difficult time, our advisers are here to help. We will offer a listening ear and always take a non-judgemental, impartial and confidential approach to offering you advice.

At DMS we believe that all too often salesmanship can influence the advice that some companies provide. For this reason, our advisers are trained to take more of a supportive approach, making sure we help you find the solution that will work for you rather than one that we would like. Part of this process is giving you some time out so that you can consider your options carefully, and only move forward when you're ready - not before.

As soon as you give us the green light, we will act. The first stage will be information gathering, and you will be asked to send us various documents and sign a few pieces of paper. We'll explain every step as we go along and make sure that at no point do you feel confused or overwhelmed.

Although a Lump Sum Settlement only involves a single payment, the process of getting one put in place can sometimes take several weeks. During this time you will always be able to get hold of your own debt adviser, who you will get to know quite well as the process unfolds. In this way you have the peace of mind of knowing that help is only a phone call away.

Once your Lump Sum proposal has been accepted and settled, all of your debts are taken away from you. But our job does not necessarily end there. Many of our clients still need support, and many have further queries about life after settling one's debts. As ever, we will only be a phone call away.