Debt Help & Advice
If your struggling with debt and want to speak to someone who understands your situation we can help, our specialist debt advisors are able to offer common sense debt solutions that work!
After reviewing your financial circumstances, we will do our best to offer a debt solution tailored to your needs and budget.
- Various debt solutions available
- Reduce you monthly debt payments - Pay what you can afford!
- Consolidate your payments into one
- Stop interest and charges
- Specialist debt advisors
- Friendly, honest, straightforward advice that works!
For FREE no obligation advice simply submit your enquiry and we will call you back or telephone 0845 094 2331
We have various options available to help if your struggling with unsecured debts - we can help with most things such as consolidation loans etc but in these economic times more and more people are turning to a none financed debt solution such a debt management plan for help, which will consolidate your debt repayments into one monthly payment without the need to borrow more money!
How do I know if I need help with my debts?
If your struggling to meet your debt repayments and are worried how to get it sorted out don't delay, the majority of people will struggle on and try to make ends meet rather than seek help - juggling money about, missing a bill one month and catching up the next, only to miss something else the next month which can be very stressful and take its toll on family and relationships.
Debt from debt - Breaking the debt cycle
Waiting to ask for help with your debts can also make things much harder to fix, if your creditors have gotten used to you missing payments and not keeping up with the creditor agreements then it could make our job harder when dealing and speaking to your creditors for you, generally speaking if you have to much month at the end of your money or you are constantly borrowing or living of credit cards then you should for advice today.
| We offer help & advice for most debts problems | |
|---|---|
| Help with credit card debts | Help with unsecured debt |
| Help with overdraft debt | Help with my debt management plan |
| Help with default debts | Help with county court judgments (CCJ's) |
A few debt solution examples
The debt solutions listed below are a few examples of how we can help, they are by no means a total round up of the solutions available to you but they do represent the more popular and useful debt solutions available to people in the UK today:
A consolidation loan...
Consolidation loans are a popular option for consolidating debt to help clean up your credit file and reduce monthly payments.
If you are considering a consolidation loan to help with your debt repayments we would suggest acting sooner rather than as any bad credit registered on your credit file may affect your ability to apply for get a loan approved.
Guidelines for qualifying for a consolidation loan...
- Be able to afford the new repayments
- Have enough equity for the secured loan
- Be in some form of gainful employment, not in any probationary period
A DMP (debt management plan)...
A debt management plan, will allow you to restructure your finances and reduce your monthly payments inline with what you can genuinely afford without borrowing more money & increasing your debt with further interest - allowing you to make one single payment each month whilst we deal with your creditors on your behalf!
Guidelines for qualifying for a debt management plan...
- Debts of more than £5,000
- 2 or more different creditors
- Have some form of regular income
- Be struggling to meet your normal debt payments
These are guidelines only and each case is judged on its own merits
If you qualify for a DMP don't waste time, the sooner you get in touch with us the sooner we can help resolve your debt problems!
An IVA (Individual Voluntary Arrangement)...
An IVA will allow you to write off some of your debts and ensure your creditors can no longer chase you for payment!
This could mean you are completely debt free within 5 years.
Guidelines for qualifying for an Individual Voluntary Arrangement...
- Debts of more than £15,000
- Three or more different creditors
- Have some form of regular income
- Be struggling with debt repayments
These are guidelines only and each case has to be judged on its own merits - to see if you qualify for an IVA simply complete the form on this page and we will call you back!
Obviously debt consolidation is typically the preferable solution for people wanting help with their debts and whilst we are happy to look at a consolidation loan for you we understand that not everyone who needs help will be able to get a loan - the two debt solutions above will give similar results to a consolidation loan (i.e. one monthly payment) but without the need to for a loan approval.
Debt help made easy with common sense solutions that works!
