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Informal arrangements and debt management are options available where you have serious debts and have difficulties in paying the creditors. Sometimes, a formal arrangement is more suitable. We would recommend speaking with us before you speak with your creditors.

In an informal arrangement your creditors are contacted with a view to negotiating with them to accept lower repayments until such time as your circumstances change and you can meet your obligations again.

If this is the most suitable course of action for you, HJS Recovery can put a plan together, and negotiate with your creditors on your behalf,.

In an informal arrangement the lender can, if they wish, refuse your offer and thus leave you liable to continue paying the full amount.

An informal arrangement is usually only effective where your cash flow problems are short term. If the problem is more serious than this, then you will need to consider other more formal options.