Expert help and advice for those in debt

In today’s financial climate, more people are struggling with their debt problems, as the recession, redundancies and reduced work place unnecessary stress on household finances. Worrying about debt and burying your head in the sand doesn’t make problems go away though. Luckily, help is at hand from Chiltern. Chiltern has been helping people take control of their debts for over a decade, and by contacting us today we can help you take control of your finances and start to reduce your debts.

Every person we speak to is different. There is no “one size fits all” solution for you, but we will try to find a solution that suits your unique set of circumstances. Following our advice, we may be able to;

1. Reduce or even freeze additional interest and charges (with creditor agreement)
2. Deal with phone calls and letters from your creditors on your behalf
3. Give you confidential help & useful debt advice
4. Bring your unsecured debts together into a single monthly payment allowing for easier budgeting
5. Put you back in control of your finances

Although nothing is certain, we promise that we will do our best find the right solutions for you. What’s more, we’re founder members of the Debt Managers Standards Association (DEMSA) and follow their strict code of conduct that’s approved by the Office of Fair Trading. This means that you will receive the best standard of service in the debt management industry and that we will ensure you are totally satisfied.

Please don’t struggle on alone, Chiltern are here to help. Call now on 0800 043 2332 or complete the form on the right of this page.

Debt Management & IVA Advice

If you are struggling to pay your monthly debt repayments, or you are starting to feel under financial pressure, then Chiltern Debt Management can help you. Chiltern Debt Management is a leading debt management and individual voluntary arrangement (IVA) provider in the UK so, if you are in financial difficulty, call today on 0800 043 2332 or ask for a FREE call back by filling in your information on the form on this page.

Managing your finances can be a struggle at the best of times. The last few years have been especially tough for us all. Chiltern Debt Management is an established debt management company, who have been helping people manage their debt for over 10 years. Our specialist advisers have been trained to help you find a solution that you may not have considered previously. As a voluntary member of trade body DEMSA (Debt Managers Standards Association), we adhere in all aspects of our procedures and debt management plans to the DEMSA code of conduct which has received OFT (Office of Fair Trading) code approval. This means our debt management plan exceeds the service standards required by law, and that our debt advice is focussed on you, giving you the best option for your circumstances.

What is debt management, is it like a consolidation loan?

Debt management is not like a consolidation loan, we will not lend you any more money nor get you any further into debt. In fact in many cases the opposite is true. Your money management problems could be solved with a solution like a debt management plan. Debt Management is a flexible solution that gathers all of your unsecured debts together. With a debt management plan we will take over the management of all of your unsecured debts and, by negotiating with your lenders, help you to reduce your monthly payments and eventually clear your debts. We can in some cases get interest and charges frozen, reducing the amount you need to pay back each month and spreading the term over a longer period.

At Chiltern Debt Management, we will assess your income and outgoings to calculate what you can afford to pay. Then this is what you will pay, regardless of what you owe or what your current payments are. Debt management plans can be reassessed if your circumstances change, you are not tied to one amount for the entire term. We are licensed to give debt help to people who are finding it difficult to manage their debts and are now in need of professional debt advice. That advice is always impartial and in your best interest.

For friendly and helpful advice, please call on 0800 043 2332 or ask for a FREE call back by filling in your information on the form on this page. For more information on the debt help available you can click this debt management link.

What is an IVA, is it better than Debt Management?

An IVA or Individual Voluntary Arrangement is similar to a Debt Management Plan, however, it has a fixed end date. It is also legally binding, and takes longer to get in place, however, our experts boast one of the shortest assessment times in the industry. We average only six weeks to get to a meeting with all of your creditors to assess the validity of the IVA case. To speak to one of our experts now in order to find out if you could qualify for an IVA or if you would be better off with a Debt Management Plan, please call now on 0800 043 2332 or ask for a FREE call back by filling in your information on the form on this page.

What would make me qualify for an IVA as opposed to a Debt Management Plan?

If you have debts that are over £10,000 then an IVA (Individual Voluntary Arrangement) may be the right solution for you. At Chiltern Debt Management we provide IVA help and advice for clients with larger debts. Through our Insolvency Practitioners, The Debt People, we are licensed to arrange an IVA on your behalf. An IVA is a programme that will allow you to replace all of your unsecured debts with a single monthly payment over a fixed period, usually 60 months. At the end of the IVA your unsecured debts will be written off and you will be debt free.

To speak to one of our trained advisers for IVA advice call on 0800 043 2332 or ask for a FREE call back by filling in your information on the form on this page. For more information on IVA help click on this IVA link.

Debt management plan or IVA, which one is right for you?

Our advisers are trained to give debt management advice and recommend the most appropriate debt management programme for your needs – whether that be an IVA, a debt management plan or another solution. Chiltern Debt Management is one of the longest established and most well respected debt advice specialists in the UK. We are members of DEMSA whose code of practice has received approval from the Office of Fair Trading (OFT). Our advisers will analyse your situation and recommend the best solution for you. They will explain the various options and the differences between an IVA and debt management. You will receive debt advice that’s tailored for you, if you would like to read more, please have a look around this website, the advice that we offer here is free as is the advice we offer over the phone.