Helping you provide a Brighter, Better, Debt Free Future
- Reduce Contact from Creditors
- Free Interest and Charges
- Write off up to 85%
- Pay 1 affordable monthly payment
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How we can help you
How it Works
REQUEST A CALLBACK
Simply get in touch and speak to one of our experienced and friendly advisors to see if you qualify for any debt plans.
SPEAK TO AN ADVISOR
Speak to one of our highly trained advisors who will educate you on all options, enabling you to make an informed decision
YOUR DECISION
Once you’re aware of the options. You decide your desired option. All of our advice is strictly confidential with no upfront fee’s.
Debt Solutions
IVA
An IVA (Individual Voluntary Arrangement) is a legally binding option to help people regain control of their debts by paying 1 affordable monthly payment, where you can write off up to 85% of your unsecured debts. An IVA will impact your Credit Rating. More Info Here. Also there is a nominee and supervisory fee which is included within the IVA.
DMP
A Debt Management Plan (DMP) is an informal agreement between you and your unsecured creditors to pay back just a single payment each month, where you pay the full debt back. Paying less over a longer period of time, may result in paying more overall.
Protected Trust Deed
Protected Trust Deed’s are exclusively available only in Scotland. Very similar to the IVA, it is a legal arrangement between you and your creditors where all Interest & Charges are frozen!
Debt Arrangement Scheme
A Debt Arrangement Scheme (DAS) is a government-run debt management plan for Scottish residents, that allows you to repay your debts through a debt payment programme (DPP).
Bankruptcy
Bankruptcy is a formal debt solution for those who have an amount of debt which they cannot repay.
Deciding to go bankrupt is a very serious step that involves fees and can impact different areas in your life, such as your job or home.
Debt Relief Order
A Debt Relief Order is a way to have unmanageable debt written off if you have relatively low income and few assets.
Also very similar to a Bankruptcy, it can be a very strict option
We do not directly provide solutions, we offer our customers no-obligation referrals to trusted providers of appropriate solutions and receive a fee from these providers if customers agree to these solutions.
Customers can get free debt counselling, debt adjusting and providing of credit information services from the Money Advice Service – An organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service, please refer to: www.moneyadviceservice.org.uk
We do not directly provide solutions, we offer our customers no-obligation referrals to trusted providers of appropriate solutions and receive a fee from these providers if customers agree to these solutions.
*In some cases and debt solutions up to 85% of the debt can be written off. The amount written off will depend on your circumstances, income, assets and the current write-off policy of your creditors. Levels between 25% and 85% are realistic, depending on your ability to repay. All calls are recorded for training and monitoring purposes. Licensed by the Information Commissioner’s Office Under the Data Protection Act. Registration Number: ZA331472. Companies House Number: 11089788.