- Get debt advice that will actually make a difference!
It does not matter what time of day you decide to get debt help, our lines are open to take your call 24 hours a day, 7 days a week. So if you have woken again during the night and have decided it is time to change your financial future, we are happy to take your call.
- Call us right now! Day or night you can call FREE from a BT land line using 0800 018 3345.
- We offer personal UK debt advice and help that you can rely on!
We have a work ethic that we are rightly proud of. We offer totally confidential advice on debt to people struggling through a very difficult and sometimes awkward part of their life. We do not take advantage of our clients when they are at their most vulnerable. We guide them and advise them how to clear debts the simplest and most economical way we can recommend. From students to pensioners we can and do help most people with debt management UK.
Personal debt affects different people in different ways because everyone has different circumstances and different lifestyles. We aim to find a solution for you which is tailored to suit your own set of circumstances and will hopefully align itself to your own lifestyle.
Firstly, remember that debt consolidation advice should not be costing you a single penny. If you have been offered advice at a cost, then perhaps you should walk away. We could be able to help you pay off all of your debts and you could obtain one affordable monthly repayment. We can also try to halt any interest charges that you may currently be being charged by store and credit cards through a debt management plan but this can not be guaranteed.
Individual Voluntary Arrangement or IVA
IVA or Individual Voluntary Arrangements have a fixed repayment period of no more than 60 months ending on a specific end date which you are aware of from the beginning. After this date, all your debts are usually cleared. In England and Wales, creditors have to freeze all further interest and charges by law (In Scotland an IVA is better known as a Trust Deed. Once you have made your final repayment, all outstanding debts are usually legally written off by your creditors. Creditors are held to the agreed repayment amounts throughout an IVA and should not alter them.
Do you know that you have failed an IVA and wish to gain further help or advice.
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Do you want more information about the alternatives to bankruptcy in England
If you would like to read our client testimonials in full please visit our client testimonial page for full details.
