Services

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IVA'S

An IVA is a legally binding agreement between you and your creditors. Our debt advisors will review your financial situation to determine what you can realistically afford to pay each month.

Benefits:

1) Helps you to write of upto 80% of your debts
2) Stops all the phone calls and letters from your creditors
3) Frozen all the interest and charges
4) Reduces your monthly payments
5) Clubs all your creditors under one payment
6) Helps you to take control over your finances
7) Gets you debt free usually in 5 years

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TRUST DEED

Our debt advisors will review your financial situation to determine what you can realistically afford to pay each month. If a Trust Deed is an appropriate solution for you.

Benefits:

1) Clubs all your creditors under one payment
2) Trust Deed starts from 100 pounds per month
3) Stops all the phone calls and letters from your creditors
4) Frozen all the interest and charges
5) Reduces your monthly payments
6) Clubs all your creditors under one payment
7) Helps you to take control over your finances
8) Gets you debt free usually in 4 years

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DEBT MANAGEMENT

A debt management plan is an informal arrangement between you and your creditors. We will negotiate with your creditors to pay back your debts at a level you can afford.

Benefits:

1) Stops all the phone calls and letters from your creditors
2) Reduces your monthly payments
3) Clubs all your creditors under one payment
4) Debt Management plan lasts till you finish paying all your debts
5) Helps you to leave a stress free life

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BANKRUPTCY

Bankruptcy usually lasts for a period of 12 months and can offer a fresh start because your debts are usually written off and your creditors cannot take any action against you.

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DEBT ARRANGEMENT SCHEME (DAS)

A debt arrangement scheme works in the same way as a debt management plan and is available to residents of Scotland.

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DEBT RELIEF ORDER

This is a route into bankruptcy for people with low income and low assets. If you have less than £20,000 debt and a disposable income of less than£50, you may qualify for a debt relief order.

Our friendly financial experts can confidentially help you get debt free today. Find out if you qualify for our debt help solutions & get rid of unaffordable debt.