Welcome Contact Us Debt Advice IVA Bankruptcy

Unmanageable debt causes a great deal of stress and anxiety. It often leads to the breakdown of relationships, can ruin family life and homes can be lost as a result of it.

Through this website you can contact expert debt advisors, who will provide you with free no obligation advice on the range of options available to you. Firstly, your financial circumstances will be reviewed in order to gain an understanding of your current situation and a course of action will be suggested which is right for you.

Your debt could be reduced by up as much as 75%, your monthly outgoings can be reduced, and you can start to live your life again, without financial worry.

Every case is important to us and will receive the individual attention it deserves. Our aim is to enable you to achieve financial stability in as brief period of time as possible.
Debt Advice

People find themselves in serious debt for a number of reasons, in many cases it is often the result of a change of circumstances such as redundancy, divorce or separation, illness and other life changing events.

An expert debt advisor can provide you with free advice on solving your personal debt problems and make a recommendation on what options are available to you, and the various pros and cons of each.
IVA

An IVA (Individual Voluntary Arrangement) enables a debtor to make a deal with their creditors so they repay as much of their debt as they can, usually over a period of five years. 

Once an IVA is agreed no further interest or charges will accrue and at the end of the agreed period the remainder of your debt is written off. 

You must have a minimum debt of £15,000 to apply.
Bankruptcy

Once you have been made bankrupt, you don't have to deal with the people you owe money to (your creditors).

The bankruptcy proceedings free you from overwhelming debts so you can make a fresh start, subject to some restrictions. Any assets you have are shared out fairly among your creditors.

Bankruptcy is one way of dealing with debts you cannot pay, but might not be your only option or the best one for you.
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