Benefits of Debt Advice from Chiltern; you’ll receive:
- Free debt advice
- A solution tailored to your needs that will help you to become debt free for good
- Dedicated support to deal with creditor’s demand letters and calls
- A dedicated point of contact for ongoing help and advice
- Peace of mind from regaining control of finances whilst still repaying debts
If you’re in debt and struggling to keep up with your current repayments, speak to one of our specialists today for some free, no-obligation debt advice. We’ll review your current situation, in complete confidence, and work out the best way for you to clear your debts, once and for all.
If you are in serious financial difficulty, call Chiltern Debt Management FREE on 0800 043 2332, or submit your details using the form on this page and we will call you back.
The Chiltern Team
Our experts are trained to provide debt advice for many situations, including:
- Management of your debts
If you are finding it difficult to keep up to date with the monthly repayments on your unsecured debts, we’ll be able to help. We’ll provide practical assistance, along with expert debt advice, which will help you to repay what you owe, but at a rate that you can afford. We specialise in providing Debt Management Plans, IVAs and Trust Deeds and we will recommend the right solution for you. For more information on these options, call us today on 0800 043 2332. - Negotiating with your creditors
If following our debt advice a professional solution is deemed the best approach for you, to tackle your finances, we’ll negotiate with your creditors to try and get repayments to a level that you can realistically afford. - A personal approach to debt advice
Over the years, we’ve developed a reputation within the industry for providing honest and straightforward debt advice. Our one-to-one, personalised service ensures that you only receive the most suitable solution for your unique circumstances. Every one of our customers receives support from a dedicated team to help them tackle any problems they may encounter on the road to financial freedom. To find out more, call us FREE on 0800 043 2332.
What exactly is Debt Advice?
There are several options available, when you seek debt advice from Chiltern. Many are free, and some require a professional debt solution being initiated. The available options include IVAs (Individual Voluntary Arrangements), Debt Management Plans and Trust Deeds, and they can be the ideal way of turning your loan, credit card, store card and overdraft payments into one affordable, single monthly payment, helping you to pay off what you owe – and get on with your life.
The adviser will analyse your circumstances, and recommend a debt help programme, if one is suitable for you. If you decide that a debt management plan, IVA, Trust Deed or other debt solution is the right option for you, we can make all of the necessary arrangements.
When reviewing your financial circumstances, one of our professional team will calculate the amount you can realistically afford to pay to creditors, after your priority payments (i.e. mortgage, utility bills, council tax and other living expenses) have been accounted for. Any money left over, after these priority payments have been covered, is classed as your ‘disposable income’. This is the payment that you will be required to make, each month, should you be included on a programme. We will then distribute your payments to your creditors on your behalf, and you leave the rest to us.
We will help take away the stress of dealing with your creditors, as any letters or phone calls that you receive can be re-directed to us and we will deal with them for you. In certain cases the debt advice we provide can help avoid bankruptcy, and stop creditors from taking legal proceedings against you.
The peace of mind that come from knowing that your debt problems will one day be a thing of the past, will help you to get on with your life today. Remember, our help is tailored to your needs and our debt advice is free.
Complete the form on the right and one of our advisors/counsellors will provide FREE expert debt advice. To talk to an advisor, for immediate debt help, call FREE on 0800 043 2332.
Other Debt Advice Options
How to cope when you’re falling behind on mortgage repayments
If you’re behind on your mortgage payments because of other, unsecured commitments such as personal loans and credit card debt, it’s important that you act quickly. It may be possible to consolidate your unsecured debts into a single, affordable payment, allowing you to get back on track with your mortgage.
Budgeting sensibly
As part of our free debt advice, we’ll go through your current financial situation and review how much you are spending, and where. This will help us to identify if there are areas in which you could cut back your spending, or if there are ways that you could increase your income and/or benefits.
Tackling credit card debts
Are you using your card for cash advances? Are you falling behind on payments or are unable to make more than minimum monthly payments? If you’re using your credit card to pay for essential everyday items like fuel, food or bills, you could benefit from our expert credit card debt advice.
County Court Judgments (CCJs)
If your debts have caused you to be issued with a CCJ, we can offer advice on coping with a CCJ or help you stop from being issued with one in the first place. If you do have any CCJs these can easily be included into our debt help programmes, meaning that you can confidently maintain payments.
Bad credit debt advice
If you’ve been refused a loan, credit card or other credit agreement because you have a bad credit rating, we can offer suitable advice to help prevent this from happening in future.