Debt consolidation Help and Advice for a Fresh Start

• UK debt consolidation advice could be all you need for a fresh start

Debt consolidation help is available everywhere it seems. Getting the right debt consolidation advice is very important if you want the best chance of getting out of debt quickly.

Get advice to help clear your personal debts in the UK

Debt help is not purely about just being told what you need, sign a piece of paper to tie you into yet another contract and then reap the rewards of poor debt management plans. To really get to the bottom of an individuals personal debt situation takes care, attention and tact because people often feel embarrassed and vulnerable when it comes to talking about debt on our debt helpline.

Our debt advice UK advisors won't just try to convince you to enter an IVA or Debt Management Plan unless it is the correct and best debt consolidation advice for you, they will want a proper discussion to carefully work out what would be the most beneficial debt management solution for you as an individual.

Do you need just ONE, affordable monthly repayment to pay all your unsecured debts!

This can be a possibility subject to your status through effective debt management and building a personal debt help plan that will address your specific situation.Once that has been established we can recommend what personal debt consolidation solutions we think would suit you best meaning you will be better placed to make an informed choice about your financial future. Our recommendations may include any of the following.

• Debt Management UK

• Debt Consolidation

• IVA or Individual Voluntary Arrangement

• Protected Trust Deed in Scotland

• Personal Loans

There are other ideas we may have that could involve less formal propositions than those listed above but these tend to only be applicable when the debt problem is not that severe. The larger the debt problem, the more formal the personal debt solution tends to be.

You will have an idea of how serious things have become by how much stress you feel under to pay bills each month. Obviously, if things are so bad that you are not paying your mortgage arrears each month, you could be about to lose your home so something has to be done quickly.  Other lesser bills can be dealt with equally efficiently and this can help to keep creditors away from your door and off the phone.

Some of the more formal options, such as the IVA or Individual Voluntary Arrangement, actually guarantee the end of creditors writing, calling or visiting you to try and get cash from you. They usually respect the process of an IVA and once agreed they should not harass you for interest or charges.

Struggling because of a poor or bad credit history / score?

You may be struggling to get credit because of a rocky patch in your past. Find out what can be done to repair your credit rating by examining your credit reference files and ensuring everything is correct.  Find information about how to repair your credit rating
Call and one of our trained advisors will give you confidential advice!
Call free from a land line using 0800 018 6868 and make a fresh start today!

Personal debt advice and help

• 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!

With such a variety of information, disinformation, advice and what is sometimes pure myth, it can be difficult to try and figure out what is actually good reliable personal debt help these days.

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.
or
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.

To find out if we can help you start to clear your debts, call 0800 018 3345 now!

CAB reports increase again in Personal Debt Helpline requests

People seeking financial advice from Ipswich Citizens Advice Bureau. has increased drastically compared with the same period of the previous year.

4,200 plus people sought debt help from the bureau in six months Debts of between £10,000 and £30,000 are most common. Some cases are between £50,000 and £60,000 without incorporating mortgages. Secured Loans are also becoming a problem for a lot of home owners.

DRTV advert by Lewis Alexander Debt Help

Lewis Alexander relaunches their 2005 TV advert in response to high numbers of people requiring personal help and debt advice in the Uk to clear debts


See the Lewis Alexander DRTV Advert now,

UK Debt Help

Debt help

Help to clear debts without loans