Debt Advice, Debt Solutions

Bankruptcy, Debt Management, IVA and Scottish Trust Deeds Advice

Simply click on the relevant section below or complete the short debt form and have one of our debt specialists call you.

Debt example

Debt Example

Here is an example of how a Debt Management Plan could make your debts affordable:

Let's say your debts looked like this:

£9,000
£6,000
£5,000
£20,000

Current monthly repayment: £750

After a Debt Management plan:

New monthly repayment: £350

New monthly repayment is based on affordability and varies from plan to plan.

Some words from our customers...

It gives us a little light at the end of a very dark tunnel we are in. We are very pleased with the hard work you are doing for us and very grateful.

We hope that one day we can be rid of this dark cloud that hangs over us and start afresh.

Mr & Mrs Williams

When they settled the last debt for me, and sent me a letter telling me, I cried with relief. A long way to go, but with your help, I know we will get there. I cannot thank everyone enough.

Ms Harrison

Debt Management

Reduce your monthly payments with a structured and management debt management plan.
Read More

IVAs

Government backed Debt Solution, reduce monthly payments, be debt free in 5 years.
Read More

Debt Consolidation

Consolidate your debts into one low monthly payment with a Debt Consolidation Loan.
Read More

Bankruptcy

Find our more about Bankruptcy and find out information about suitable alternatives.
Read More

Do You Need Debt Advice?

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Pro's and Con's of our Debt Solutions

Debt Solution Key advantages / disadvantages
Debt Management
Reduce your monthly payments to creditors
  + Clear your debts with one affordable monthly payment
  + Stop demands from your creditors
  + Take control of your debts without a loan
  - Can affect your credit rating in the medium to long term
Debt Consolidation
Simplify your finances with one monthly payment
  + Reduce payments without affecting your credit rating
  + Consolidate debts into one lower monthly payment
  + Pay a lower interest rate on your debt
  - Difficult to get if you already have a poor credit rating.
IVA
Write off the debt you can't afford to pay
  + Write off all the debt you can afford to repay
  + Prevent or stop legal action including bankruptcy
  + Know when you'll be debt free - usually after 5 years
  - Your credit rating will be affected for a total of 6 years
Trust Deed
A Debt solution for Scottish residents
  + Write off all the debt you can 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
Bankruptcy
An option when you cannot afford to pay your debts and 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 year.
  +You are allowed to keep basic possessions and the tools of your trade if you are self employed
  - Any Bankruptcy Restriction Order will be registered.

To find out more completely free of charge and with no obligation, fill in the small form above or call free phone 0800 298 0033 and one of our advisors will be in touch for a confidential chat about what's right for you.

* Fees may be charged

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