We aim to keep the process as simple as possible yet still address a complex issue that causes distress and concern to the individuals involved. The goal is to reschedule commitments and manage income so that all obligations can be met in a timely manner thereby removing the stress and worry of always being in arrears and dredaing that next phone call.
BFMS has a 4 step process
1. It is of paramount importance to gain an accurate and honest picture of the current position fully detailing all assets and liabilities
2. Budget - detail all income available, wages, family allowance and other income. Expenses covering all finance commitments, home loans, credit cards, personal loans and household outgoings such as electricity, car costs, telephone, rates, medical insurance and other expenses need to be gathered.
3. Following collection of the above mentioned information BMFS will then assess situation and provide a written report detailing the options available.
4. Once the decision is made on how to best address the situation the plan needs to be implemented which will be co-ordinated by BFMS.
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