We understand debt. We know how easy it is to get into financial difficulty, but more importantly, we know how to solve your debt problems for good. With more than 10 years experience, we have helped many thousands of people. For free debt advice and assistance, please call the number at the top of this page, or browse the site to see how you could get out of debt.
Free Debt Advice
We understand the importance of one-to-one help and assistance. All of our clients will receive a detailed financial assessment, taking into account all income and outgoings. We will recommend the most suitable solution for your personal circumstances. Then it’s up to you – our debt advice is free.
What help is available?
There are a number of different solutions available, that could solve your debt problems, and we have listed them here for you. For more information, you can click on the relevant links, or for free debt advice call us on the above free-phone number.
Debt Management Plans (DMP) – All of your unsecured debts are combined into one affordable monthly payment, without having to take out another loan. We will negotiate, with your creditors, to reduce your repayments, and request that interest and charges are frozen. You simply make one monthly payment to us and we will deal with everything else, with your creditors, including correspondence and phone calls. For more information on this service, click on debt management.
Individual Voluntary Arrangement (IVA) – This is a legal arrangement, supervised by an Insolvency Practitioner (IP). Similar to a DMP, all of your unsecured debts will be included in the arrangement, and combined into a single monthly payment. The arrangement will be over a fixed period (usually five years) and once you have completed your IVA, the remaining debt will be written off. The Insolvency Practitioner can assist you with debt advice and help throughout the term of your IVA. For more information on this service, click on IVA advice.
Trust Deed – (Trust Deeds are only available to residents of Scotland). Similar to an IVA, a Trust Deed is a legally binding agreement between you and your creditors. A Trust Deed must be set up by a qualified Insolvency Practitioner (IP). In most cases your creditors will agree to freeze interest charges, and once the Trust deed is sucessfully completed, the remaining debt can be written off. The arrangement will be over a fixed period of time (usually three years). The Insolvency Practitioner can assist you with debt advice and help throughout the term of your Trust Deed. For more information on this service, click on trust deed.
Take the first step to financial freedom, and call the number at the top of this page for free debt advice. Our friendly and helpful team will answer any further questions that you may have.
