Clear Personal Debts with an IVA, Debt Consolidation or Debt Management

If you wish to clear personal debts without having to increase your borrowings further, you may wish to consider a Debt Management Plan or IVA, these personal debt solutions can clear debt without loans. They are a form of debt consolidation that help people who have previously been refused credit. They also help you avoid bankruptcy.

Are you afraid of what debt collection letter from which company is going to drop into your mail box next? Are your creditors calling you at work or at home, daily? You may even be dealing directly with your creditors, sometimes known as self debt management. This can be difficult and we can advise you further.

We can assist you to clear debts today with a personal debt solution,

Call 0800 018 6868 today in total confidence.

Credit Cards & Debt Help - IVA or Debt Management?

Credit cards are the biggest problem in most peoples financial arrears. Most of us try and keep up with the plastic before paying anything else, such as rent and mortgages! Yes, people are actually paying for their mortgages and their rent using their credit facilities. When we try and explain to vulnerable consumers that they must prioritise their debts by paying the most important first, they seem shocked as though the credit card companies will be upset.

An upset credit card company is much better than an eviction order from your landlord or your mortgage lender advising you that they are to repossess your home or ask you to vacate your rented dwellings.

We can't stress enough the importance of making the repayments on loans or other debts secured against your home.

Credit card companies only want you to pay the minimum on your credit card repayments, if you pay more than the minimum required you will be clear your debt and then you won't owe them any money, this is not good for your credit card company, however, it is the right direction for you!

The interest on credit cards is designed to increase not reduce, these companies are waiting for you to suffer a change in personal circumstances such as a death in the family, loss of job or less hours at work, split from partner or divorce. These changes in circumstance are not all ways negative unpleasant ones. A new baby or a wedding can easily set us back for years. The credit industry has a much clearer crystal ball than the vulnerable consumer. They can see your changes before you know you are due them. it is just the way credit companies work but please do not let them work you out of YOUR home!

For further information on how to clear credit card debt and other personal debt help, please call free using 0800 018 6868 or contact us online....

IVA take up rate 12% of Debt Consolidation enquiries!

The take up rate for the personal IVA at Lewis Alexander is 12%.

The company specialises in the Personal Debt Management sector and has done so successfully since February 2003. The information released is based upon enquiries that are generated from the initial enquiry to a live conversion into a Lewis Alexander client. The IVA work is outsourced to preselected Insolvency Practitioners.

The remaining 88% splits down into 63% opting for a Lewis Alexander Debt Management Plan and the final remainder choose options such as bankruptcy and loan options where available.

The figure is surprising as the general market place of personal debt advice and help services seems to be direct selling the IVA! Lewis Alexander are proud to offer the client a full explanation where necessary so as to enable the consumer to make an informed decision. This could be adopted as best practice amongst all companies and implemented on a compliance basis by a regulator.

The industry could then adopt an accepted standard conversion rate for a compliant fee charging advisory service.

The main problem Lewis Alexander has encountered with the funding and floatation's of IVA PLC companies, dating back to 2004, is that the individual choosing to enter into an IVA over a Debt Management Plan or Voluntary Petition for Bankruptcy is no different in there make up, they are still only human! The point being is that the individual is open to exactly the same changes in circumstances over the next 5 years that has created the need for action in the first place. The Debt Management Plan may not be as rewarding in fees as an IVA to the operating company but is sometimes a preferred approach for advice when the advisor has the experience the client does not!

Yes, companies are in business to make money but at this end of the financial sector there should be an element of caution as the detriment to the consumer can be catastrophic if the consumers IVA fails due to their lack of continuity of payment etc,,

The Debt Management Plan is not a legally binding agreement and is informal between client and creditor. Therefore, the "City of London" or financial institutions raising funds for floatation's have avoided Debt Management Companies in the main. This is why some of the IVA companies or IVA factories have scurried around making acquisitions that seem still to be proven on a profitability basis. These companies surely could not have floated as Debt Management operations but did create great projections and share rushes, then proceeded to buy Debt Management companies in a bid to keep their bottom line positive and reduce the cost per client acquisitions.

Lewis Alexander has previously rejected take over bids from a certain IVA company due to this mind set as described above. The take over would have affected the success enjoyed by both client and employee when clearing debts, coupled with the excellent balance of impeccable client retention rates with outstanding abilities to generate new enquiries that convert into acquisitions.

The cost to an IVA company to generate an acquisition had reached £1000 over the last 2 years and in some cases more. These companies business models are costly and when compared to the Lewis Alexander CPA of an IVA at £150, it seems outrageous. Is the sector finished as a direct sell arena and where will the money makers move next?

We can confirm that the only PLC involvement at Lewis Alexander is Profitability, Liquidity & Capital.

Debt Management Company offers Prepaid Mastercard

If you have no bank account, no credit cards or currently on a debt management plan and you struggle to pay for goods or services online, or over the telephone, you need a Prepaid Mastercard.



You can apply online and you are GUARANTEED ACCEPTANCE. Have a read and make your own choice, we think everyone should have one in their wallet!

IVA, Debt Management, Bankruptcy Help & Loans

Regardless of the type of personal debt you may have, you will at some point of dealing with your problem, consider one of the following options available to clear debt in the Uk,

Debt Management, IVA, Bankruptcy, Consolidation Loans, Debt Advice

for more help and advice if you are currently suffering please contact us free today for a consultation.

IVA & Debt Management Company call in Not Normal Media

Lewis Alexander Limited announced earlier today that the new 2008/9 advertising contract has been awarded to not normal Media, also known as Not Normal Limited of Manchester.

The 2008 campaigns will commence online and offline in March 2008 and run continuously until Jan 31st 2009.

The main focus of the campaigns will be on increasing the existing response from the DRTV success enjoyed since 2005. The main reason why Lewis Alexander are so successful in such high cost advertising mediums is due to vast experience of the current board of directors.

Managing Director, Richard Johnson said, " We are delighted with the news and selection of the not normal agency. We have been advised to acquire the agency to allow greater control of spend for Lewis Alexander, the agency does not have a vast client base so this approach seemed sensible considering the time they had scheduled the Lewis Alexander Account. We were mainly impressed by their quality not quantity approach. This will be a very exciting time for both companies and new clients should benefit from an ease of finding our services when most at need".

The cost per client acquisition for Lewis Alexander has ridiculed that of its IVA competition stated in the national press and the Debt Management arm of the business operates in perfect synergy with the loan brokerage and IVA department.

The advertising contract won by not normal media is said to be worth in the region of 1/4 Million GBP spend over the next 12 month period. Both companies have worked together briefly on new products for Lewis Alexander and see a mutually beneficial relationship ahead. The fee paid for not normal ltd remains undisclosed.

For further information on Lewis Alexander visit http://www.lewisalexander.com/

24Hr IVA & Debt Management helpline is LIVE!

Lewis Alexander are proud to anounce that since 1st January 2008 they have conducted a 24 hour advice solution for Uk consumers troubled by personal debt problems.

The main difference between this helpline and the other free charitable ones available is simple, the advors are funded by Lewis Alexander Limited therefore the advice is impartial of the credit companies most consumers owe.

The free charites are in the main funded by well known creditors.

Lewis Alexander operate this only with the absolute dedication of a committed team and are certain that after the initial trial period the helpline should remain open until further notice.

Call free using 0800 018 6868, your call will be dealt with in total confidence!

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,

Geopathic Stress and Personal Debts

Geopathic Stress,

Human illness can be caused from location of residence! geopathic zones are noticed from sleeplessness and irritability sometimes, personal debt also affects health

read on at Lewis Alexander Debt Help

John Quigley of Cosmic Traveller, NLP expert, can explain a lot more about Geopathic Stress and Neuro Linguistic Programming

Insolvency Advice Uk

http://www.insolvencyadviceuk.co.uk/ Launched by Lewis Alexander Ltd IVA & debt help

Website design by not normal media