If you have a mortgage to repay over many years, it can seem like a millstone at time. If you have a mortgage and you have mounting unsecured debts, and these keep rising, then life can become extremely difficult. Your mortgage has to be put first of course so you may have left unsecured debts to mount up in the hope of being able to catch up on them. These could have spiralled out of control and you may now have only one option, to seek debt help.

If you are suffering a debts problem and are juggling bills and your mortgage and fear losing your home if you fall into mortgage arrears then debt help in the form of a debt management plan may be able to provide you with assurance that you will not lose your home. Debt management however is only for unsecured debts; your mortgage cannot be included in the agreement. However, by taking debt management to help you pay off your unsecured debts you may be able to free up money, which can be used to ensure your mortgage is maintained each month.

With a debt management plan, you may be able to pay one monthly sum of money, which is lower than the repayments you struggled to pay individually each month. Once the term of the plan is reached, you would have paid off your unsecured debts and with careful money management, may be able to stay on top.