Debt- Does this word scare you, makes you lose your sleep and appetite, gets tension on your face. Well it happens because there are times when we find our income less then our monthly repayments. We get scared and try to hide away from the lenders trying to barge in demanding the money. Take it easy, drink a glass of water and read this you will feel much better.There is a way to manage your debts easily and hassle free. All you have to do is go to a debt management service organization where they offer you a service called easy debt management. You would wonder what easy debt management is. Well in this service, especially for you, they have options like budgeting, counseling, debt consolidation. In budgeting they do the entire budgeting of your pending loan amount, your income and your monthly repayments. Debt consolidation helps you merge all your debts into one single bill. Here you can take a loan for the entire amount and repay the debt. You would wonder wont that put me in the same situation as before. Well the answer is No it wont because these services help you with the repayment of the single loan taken by you. They make sure that this new loan is taken at a lower rate of interest with good repayment period. They offer two loans secured and unsecured. In secured the amount is up to £75000, offering repayment period up to 25 years. You have to provide collateral to get this loan. For unsecured loans the amount is up to £25000 and repayment period is 10 years but no security is required to get this loan. Under both these circumstances entering into debt consolidation will prevent you from getting a bad credit and might even improve your credit.