Debt Management Guides From Money Expert
Categories
Bankruptcy Alternatives
Posted in category: Bankruptcy | Last updated: 23. 07. 2020
There are many different circumstances that may lead to people finding themselves in financial diff...
Bankruptcy and Your Assets
Posted in category: Bankruptcy | Last updated: 23. 07. 2020
As part of your bankruptcy order, money will have to be raised to pay off as much of your existing...
Bankruptcy Restrictions
Posted in category: Bankruptcy | Last updated: 23. 07. 2020
If you've been declared bankrupt, you'll have certain restrictions imposed on your financial and wo...
Cancelling A Debt Management Plan
Posted in category: General | Last updated: 14. 11. 2023
A debt management plan is different to an individual involuntary arrangement in a few ways, the mos...
Cancelling An IVA
Posted in category: IVAs | Last updated: 29. 05. 2024
If you have decided that your IVA is not beneficial to your situation or you are finding it difficu...
Changing Your Debt Management Plan Provider
Posted in category: General | Last updated: 23. 07. 2020
One of the key benefits to a debt management plan (DMP) as a debt solution is the flexibility that...
Choosing An Insolvency Practitioner
Posted in category: Advice | Last updated: 14. 11. 2023
If you choose to manage your debts by going down the path of an IVA (individual voluntary arra...
Costs of Setting up an Individual Voluntary Arrangement (IVA)
Posted in category: IVAs | Last updated: 14. 11. 2023
As a form of insolvency and reduced payment plan an individual voluntary arrangement, or IVA, can b...
Debt Consolidation Companies
Posted in category: General | Last updated: 23. 07. 2020
Debt consolidation firms are lending companies that aim to allow you to transform many smaller, ind...
Debt Consolidation Loans
Posted in category: Debt Consolidation | Last updated: 23. 11. 2023
If you’ve got multiple debts that you are currently paying off then you might want to conside...
Debt Management Plan Provider Costs
Posted in category: General | Last updated: 23. 07. 2020
Debt management plans can either be set up by the person in need of one or they can be set up by an...
Debt Management Plans (DMPs)
Posted in category: General | Last updated: 22. 10. 2020
A debt management plan, or DMP, is an informal agreement between you and your creditors aimed at co...
Debts That Can Be Included On An IVA
Posted in category: IVAs | Last updated: 26. 07. 2024
IVAs are designed to help people who have fallen behind on their debt repayments, to one or more cr...
Failing On Your IVA
Posted in category: IVAs | Last updated: 14. 11. 2023
In spite of often being the best way out of financial difficulties for some people, IVAs do come wi...
Fast Track Voluntary Arrangements
Posted in category: General | Last updated: 23. 07. 2020
Fast track voluntary arrangements are available to anybody who is going through bankruptcy proceedi...
Frequently Asked Questions on Debt Management
Posted in category: General | Last updated: 23. 07. 2020
We've tried to answer as many of your questions as possible, if there is something missing from her...
Have You Been Mis-Sold A Debt Management Plan
Posted in category: General | Last updated: 20. 07. 2022
The FCA (Financial Conduct Authority) have a very strict set of rules and regulations that every pr...
Does an IVA Affect Your Credit Score? - Money Expert
Posted in category: IVAs | Last updated: 21. 06. 2024
An individual voluntary arrangement is a form of insolvency and debt solution that involves a reduc...
How IVAs Can Affect Homeowners
Posted in category: IVAs | Last updated: 06. 06. 2024
An individual voluntary arrangement, or IVA, is a great way to get out of a growing pile of debt th...
How To Declare Bankruptcy
Posted in category: Bankruptcy, Advice | Last updated: 23. 07. 2020
If you have looked at all the routes available to you and you have reached the conclusion that decl...
Individual Voluntary Arrangements - Bank Accounts and Pensions
Posted in category: IVAs | Last updated: 14. 11. 2023
IVAs (Individual Voluntary Arrangements) can be a way in which to make your debt more manageable. T...
Individual Voluntary Arrangements - Income and Asset Requirements
Posted in category: IVAs | Last updated: 14. 11. 2023
If you are struggling to make repayments on several loans, you may want to consider setting up an i...
Individual Voluntary Arrangements
Posted in category: IVAs | Last updated: 14. 11. 2023
IVAs are designed to help people who have fallen behind on their debt repayments, to one or more cr...
Individual Voluntary Arrangements - Your Insolvency Practitioner
Posted in category: IVAs | Last updated: 14. 11. 2023
To set up an Individual Voluntary Arrangement you have to get in touch with an insolvency practitio...
Information Your Debt Management Plan Provider Must Provide
Posted in category: General | Last updated: 23. 07. 2020
When you set up a debt management plan, or DMP, you’ll have the choice to either do it y...
Insolvency Practitioners and IVA Management
Posted in category: IVAs | Last updated: 14. 11. 2023
When you start an individual voluntary arrangement (IVA), you pass control of your relevant finance...
Lasting Power Of Attorney
Posted in category: General | Last updated: 14. 11. 2023
Lasting power of attorney is the name given to the legal process that transfers control of somebody...
Life After Bankruptcy - What now?
Posted in category: Bankruptcy | Last updated: 23. 07. 2020
If you have had your bankruptcy officially decreed, then you will normally be "discharged" from you...
Missing an IVA Payment
Posted in category: IVAs | Last updated: 14. 11. 2023
There can be some quite serious consequences to missing your IVA (Individual Voluntary Arrangement)...
My Bankruptcy Order Has Been Decreed - What Now?
Posted in category: Bankruptcy | Last updated: 23. 07. 2020
Setting Up an IVA in 4 Simple Steps - Money Expert
Posted in category: IVAs | Last updated: 18. 07. 2024
If you want to set up an individual voluntary arrangement, there are certain steps that you must ta...
Starting A Debt Management Plan
Posted in category: General | Last updated: 23. 07. 2020
If you are struggling with your level of debt and can't sustainably meet your repayments, you may w...
The Costs of Debt Management Plans
Posted in category: General | Last updated: 23. 07. 2020
Entering into a debt management plan (DMP) can be a great solution to your unsecured debt...
What happens to my home, assets and job during an IVA?
Posted in category: IVAs | Last updated: 14. 11. 2023
An individual voluntary arrangement, or IVA, is a debt solution that involves a legally bindin...
What To Do If You Are Cold Called By A Debt Management Plan Supplier
Posted in category: Advice | Last updated: 23. 07. 2020
The Financial Conduct Authority has set out strict rules that dictate exactly how debt management c...
What to do if your creditors continue harassing you during your IVA
Posted in category: IVAs | Last updated: 14. 11. 2023
The nature of an individual voluntary arrangement (IVA) as a form of debt solution is such that you...
What to do if Your Situation Changes During an Active DMP
Posted in category: Advice | Last updated: 23. 07. 2020
A debt management plan (DMP) can simplify and reduce the costs of the process of paying back your e...
What to do if your situation changes during an IVA
Posted in category: IVAs | Last updated: 14. 11. 2023
When you set up an individual voluntary arrangement, or IVA, you will have an agreed sum that you a...
What To Do If You're Struggling With IVA Payments
Posted in category: IVAs | Last updated: 23. 07. 2020
IVA stands for Individual Voluntary Arrangement, it is a debt solution programme that allows you to...
9 Steps to Becoming Debt Free - Money Expert
Posted in category: Advice | Last updated: 18. 07. 2024
Are you struggling under the burden of debt? Do you wish you could pay off all your debts and live...
Administration Orders Explained
Posted in category: General | Last updated: 23. 07. 2020
If you’re struggling from serious debt issues, an administration order could help you to avoi...
Are Debt Collectors Allowed to Harass You?
Posted in category: General, Debt Collectors | Last updated: 23. 07. 2020
Whilst debt collectors are allowed to contact you, they are not allowed to harass you. There are ru...
Can Debt Collectors Take Funds from Your Bank Account?
Posted in category: Debt Collectors | Last updated: 23. 07. 2020
There are two different scenarios that need to be discussed here - owing money to your bank and owi...
Clearing Your Student Overdraft
Posted in category: Overdrafts, Students | Last updated: 23. 07. 2020
With graduation dates set and debts looming, it’s time to start thinking about your future an...
Consolidating Debt with a Credit Card
Posted in category: Credit Card Debt | Last updated: 06. 06. 2024
Consolidating debt with a credit card might be a good option for you if you have multiple debts in...
Dealing with the Debts of Someone who has Passed Away
Posted in category: Advice | Last updated: 22. 10. 2020
Dealing with the debts of a deceased partner or family member can add another layer of distress to...
Debt Relief Orders (DROs) Explained
Posted in category: General | Last updated: 23. 07. 2020
One option you have when you cannot afford to pay back your debts is a Debt Relief Order (DRO). Whi...
Getting a Mortgage with Credit Card Debt
Posted in category: Credit Card Debt, Mortgages | Last updated: 26. 07. 2024
Credit card debt can make getting a mortgage more difficult, but certainly not impossible. Mortgage...
How to Handle Your Student Debt? - Money Expert
Posted in category: Advice, Students | Last updated: 18. 07. 2024
If you are graduating from university soon, entering the ‘real world’ with a huge debt...
How Business Debt Affects Your Personal Finances
Posted in category: General | Last updated: 22. 10. 2020
Perhaps you are considering starting up your own business, or you have already established your bus...
How to Deal with Debt Collectors
Posted in category: Advice, Debt Collectors | Last updated: 23. 07. 2020
Debt collection in the UK has to be carried out by registered Debt Collection Agencies (DCAs). DCAs...
How to Get Free Debt Help? - Money Expert
Posted in category: Advice | Last updated: 18. 07. 2024
The last thing you want to do when struggling with your finances is splash out more cash for specia...
How to Get Out of Credit Card Debt
Posted in category: Credit Card Debt | Last updated: 23. 07. 2020
Paying off your credit card debt can feel impossible, but if you formulate and follow an effective...
How to Rebuild Your Credit Rating After an IVA
Posted in category: IVAs | Last updated: 26. 07. 2024
Coming out of the other side of an Individual Voluntary Arrangement means that you now have freedom...
How to Reduce the Cost of Your Credit and Store Card Debt
Posted in category: Credit Card Debt | Last updated: 23. 07. 2020
If you’re struggling to pay off card debt, there are several steps you can take in your debt...
How to Reduce the Cost of Your Personal Loans
Posted in category: Advice | Last updated: 23. 07. 2020
There are different ways in which you can reduce the cost of your personal loans. Each option will...
Managing Debt When You Have a Disability
Posted in category: Advice | Last updated: 23. 07. 2020
The most important thing to remember is that banks and other service providers are not allowed to d...
Should I Use My Savings to Pay off Debts?
Posted in category: Advice | Last updated: 22. 10. 2020
Breaking into valuable savings to pay off debts is never very appealing. This is understandable - h...
Should You Use a Credit Card to Pay Off Your Mortgage?
Posted in category: Credit Card Debt, Mortgages | Last updated: 06. 06. 2024
It is possible to use your credit card to pay your mortgage if your card network, card issuer and m...
Should You Use a Payday Loan to Pay Off Debts?
Posted in category: Payday Loans | Last updated: 22. 10. 2020
A payday loan is a small-scale loan, typically ranging from £50 to £1,000. They have hi...
Should You Use Your Mortgage to Pay Off Other Debts?
Posted in category: Mortgages, Advice | Last updated: 22. 10. 2020
Incorporating your other debts into your seemingly low mortgage payments may seem like a great idea...
What if You Can't Pay a Bill? - Money Expert
Posted in category: Advice | Last updated: 18. 07. 2024
Being in financial difficulty is always going to be hard to cope with, and when you can’t pay...
What if You Can't Pay a Bill?
Posted in category: Advice | Last updated: 23. 07. 2020
Being in financial difficulty is always going to be hard to cope with, and when you can’t pay...
What If You Can't Pay Your Mortgage?
Posted in category: Mortgages | Last updated: 23. 07. 2020
Paying the mortgage is an important part of many people’s lives and often dictates the way yo...
What is a County Court Judgement (CCJ)?
Posted in category: General | Last updated: 23. 07. 2020
A CCJ is a court order that can be registered against you if you fail to repay your debts, and you...
What Is a Trust Deed? - Money Expert
Posted in category: Trusts | Last updated: 18. 07. 2024
Setting up a trust deed could be a solution if you have serious debt issues and are unsure of what...
What to Do If You Can't Pay Back a Payday Loan
Posted in category: General Advice | Last updated: 20. 07. 2022
Payday loans may seem like a simple and straightforward solution, but if you get caught out and can...
What to Do If Your Debt Management Company Goes Bust
Posted in category: Advice | Last updated: 23. 07. 2020
Debt management companies close for several reasons, including failing to meet the standards expect...
Where to Start When Dealing with Debt
Posted in category: Advice | Last updated: 22. 10. 2020
We know that dealing with debt can be daunting, and with so many advertisements vying for attention...
Choosing Which Debts to Pay Off First
Posted in category: Advice | Last updated: 23. 07. 2020
Having multiple debts is naturally overwhelming. Figuring out which debts should have priority over...