What about my secured debts?

Loan facilities such as mortgages and vehicle loans can be difficult to reduce as the credit provider has direct recourse to recover their debt via the sale of the asset. It is only in the case where the value of the security held is not sufficient to retire the debt that a creditor will consider a reduction. Due to this, the majority ofcases we help people with are for unsecured debts such as credit cards and personal loans etc.