Debt Management Matters - Free debt consolidation advice and consumer credit counselling

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Most of our clients have tried to resolve their financial difficulties in a variety of ways before they speak to us. They are always encouraged to communicate with their Creditors. Unfortunately many clients are alienated by the standard (processed) approach taken by Creditors to dealing with arrears situations.

Customers often assume that their Creditors instantly believe they are debt evaders doing all that they can to avoid paying their dues. This is usually not the case.

Creditors want to hear from you. They want to know how you will repay what you owe them.
At Gemstone we understand the pressures on both sides. Because we are independant we are able to take an objective stance. We realise that the only way to get a mutually agreeable arrangement is through persistence and firm but professional communications. Using our in-depth knowledge of the industry (our senior management team includes an experienced collections manager, an ex-high street bank manager and an accountant) we are in a strong position to negotiate with all parties.

There are both reasonable and unreasonable Creditors and a professional intermediary like Gemstone can help you to deal with both. Each Creditor will have their own regulations or policies which they will employ to try and recover monies that are owed to them. This may include letters, telephone calls and even personal visits.

Debt Management is not a 'quick fix' to stop this happening. We are aware of your rights as a consumer, of our rights as advisers and of the rights of your Creditors. We are mindful of the needs and aims of all parties involved and will negotiate appropriately to get the best result for all concerned.