Debt Management, IVA's, Bankruptcy, and Debt Consolidation.

Debt Management You will be allocated a fully trained personal advisor. Their job is to talk through your current situation and devise a Debt Management Plan to help get you back on your feet. They can help customers:

Who have overstretched themselves with credit cards, loans or overdrafts.

Whose monthly expenditure now exceeds their monthly income.

Who are using credit cards to pay off other debts or to pay for items they previously bought with cash.

Who have had a consolidation loan refused.

Whose circumstances have changed due to a divorce, separation, bereavement, loss of job or overtime.

Who feel like no one is listening.

IVA's An IVA is a legally binding arrangement with your creditors which allows you to repay your debts in affordable monthly payments over a fixed period of time, usually five years.

Bankruptcy Bankruptcy is often considered the last resort for people with serious debt problems especially if you have a property to protect. There are solutions which can protect your property and allow you to repay your debt in affordable monthly instalments,depending on your status. If you are salaried and perhaps living in rented accommodation, the advice will differ to that given to someone who is self employed and a home owner. Talking to someone who understands the stress of debt will help.

Debt Consolidation Consolidation is a popular option for many of those in debt, but many people are still not completely clear on what it entails. Consolidating debt through remortgaging, obtaining a secured or an unsecured loan is the solution that most people automatically choose. This may increase the total amount you repay, but if keeping your monthly payments down is a priority then a loan which lets you spread the cost over a longer period could be right for you.

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