Help with debt
Do you need help with debts? If so, this page could be all the help with debt that you need. No matter how much you owe, and no matter how many people you owe to, if you need help with debts then we will be able to alleviate any debt problems immediately.
What to do if you need help with debts
Many people who need help with debts often bury their head in the sand and ignore the issue, hoping it will go away. Unfortunately it never does, and by failing to deal with the issue sooner rather than later it could make any potential debt problems even worse.
What you should do if you need help with debts is speak to a reputable company like Chiltern, for some free and honest debt advice. We will be able to recommend the best way for you to get out of debt once and for all by understanding exactly what kind of debt problems you have and by understanding how these were developed.
You should also seek to reduce how much you spend each month on non-essential items (such as magazines, gym memberships and expensive café lattes). By limiting how much you spend on these non-essential items, you may find that you have more money to repay your outstanding balances.
For immediate help with debts, or for more information on a range of debt help solutions, please call 0800 043 2332 now.
What type of help with debts we offer
Before we can recommend the best way to help with debts, we need to understand your situation fully. This involves going through your financial circumstances with you to develop a clear picture of your situation – such as how much you currently spend each month on living costs, against how much you currently receive from wages, benefits, tax credits and pensions etc.
Once we know what help with debt you need, we can then go through with you the most specific solutions for your debt problems.
We offer many different types of help with debts, such as offering free budgeting and debt advice, along with offering a number of professional solutions – like Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs) and Trust Deeds amongst others.
Unlike many other companies, we make the products we offer fit to your circumstances – not the other way round. That way, you only receive honest and impartial debt advice and a solution that is tailor-made for your specific needs.
For immediate debt advice, or for further help with debts, please call 0800 043 2332 now.
We offer help with debts for many different situations, such as:
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 all of your unsecured debts into a single, affordable payment, allowing you to get back on track with your mortgage.
How to ensure you’re budgeting sensibly
As part of our free debt advice service, we’ll go through your current financial situation and review where your money goes. This will help us to see if there are any areas where you could cut back your spending, or if there are ways that you could increase your income – like reviewing your benefits and tax credits allowances.
Tackling store card and 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.
To see how our help with debts could improve your situation, call us now on 0800 043 2332
Important Information About Our Service & Fees
Whilst we strive in all cases to negotiate the best deal with your creditors, we cannot guarantee a reduction in interest or charges. Also as one of the largest providers of debt management solutions in the UK, we are able to provide initial advice over the phone without charge, however, if a debt solution is taken out, please be aware that fees will be charged. We aim to keep these fees as low as possible and believe that we are very competitively priced. View more detailed information on our fees including examples for each product here.
Further Additional Information
The insolvency service has produced a guide for people who are struggling with debt, which outlines each of the available solutions.
If an IVA is not maintained it could lead to bankruptcy.
