Refused Credit on a Loan, Credit Card or Mortgage?
We could help you apply even with Bad Credit
Debt Management: Reduce your monthly payments
- Clear your debts with one affordable monthly payment which is based on what you can afford
- Take control of your debts without another loan and further increasing your indebtedness
- In most cases creditors stop interest and penalty charges whilst you repay your debts
- Repaying debts over a longer period may increase the total amount to be paid
- Your credit rating will be affected for 6 years which may affect your ability to obtain credit in the future
- Debt Management is an informal agreement creditors may still pursue default actions and creditors may not agree to stop interest and charges
IVA: Write off the debt you can't afford to pay
- Fixed period to repay your debts usually 60 months
- Interest & charges frozen once agreed.
- Maintain a reasonable standard of living whilst repaying your debts
- Prevent or stop legal action including bankruptcy
- Your credit rating will be affected for a minimum 6 years which may affect your ability to obtain credit in the future
- You will not be permitted to take out any further unsecured credit
- Homeowners may be required to release equity from their property
- Failing to make the agreed payments could result in the failure of the IVA
Debt Consolidation Have one monthly payment
- Reduce payments without affecting your credit rating
- Consolidate debts into one lower monthly payment
- If you have a poor credit rating you may not be able to obtain a loan or you may be offered a loan with high interest rates/li>
- You may have to pay an arrangement fee
- Consolidation loans are often repaid over a longer period
Bankruptcy When you want to start afresh
- Most Debt is written off and you gain a degree of freedom and a certain peace of mind
- Most cases are automatically discharged from bankruptcy after one yea
- You are allowed to keep basic possessions and the tools of your trade if you are self employed
- Your bankruptcy is entered on a public register and is advertised
- You will remain liable to pay certain debts in particular student loans, fines and some debts arising from family proceedings
- Certain professionals are barred from practicing if they are made bankrupt
- If you apply to the court for your own bankruptcy, you will have to pay a court fee
Trust Deeds: A debt solution for Scottish residents
- Write off all the debt you can't afford to repay
- Prevent or stop legal action including sequestration
- Be debt free in 3 years (in most cases)
- Your credit rating will be affected for 6 years in total
How do i apply?
To find out more completely free of charge and with no obligation simply complete the quick online form and talk with a debt specialist in minutes for free advice on how to manage your debt today. By completing this request you are under no obligation to enter into any debt solution. Apply for debt help now
Alternatively you can call free on 0800 298 0033 for a confidential chat one of our advisors about what's right for you.
Call us free on
0800 954 1263
Get in touch now for a confidential, no obligations chat with of our advisors and let us find the debt solution that's right for you..
- Clear your debts without the need for a loan
- Have one affordable monthly payment
- Stop demands from your creditors
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Some words from our customers
"I reduced payments by 51%"
"After two years of being on the plan I managed to pay off my creditors with the negotiators getting me fantastic settlements."
Natalie, Telford Payments reduced from £385 to £200
"I had £20,461 of debt written off"
"Without debt settlement i would have been in debt forever, years! It was just brilliant... it turned my life around!"
Mrs B, Devon £20,461 witten off a £39,120 total debt
"I was debt free in a year"
"Im very happy at the end of the day. It [The debt settlement plan] did exactly what it said on the tin"
Ian, Guildford Debts of £22,960 settled for £15,138
Debt Advice News
15 Apr 2013
How to manage your finances to avoid the trap of debt
26 Mar 2013
Nearly half of working mothers-to-be are concerned they will be forced to return to work earlier than anticipated, citing mounting pressure on their finances as the principal motive.
15 Mar 2013
The spiralling cost of rent is so extreme that one in 12 renting parents have been forced to borrow cash from their children to cover the bills, while one in 33 have been so desperate they have resorted to high-interest payday loans.
8 Mar 2013
Fresh research has revealed that no other developed economy has witnessed “such a marked decline” as the UK when it comes to negative wage growth.