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Debt Management UK - Bankruptcy UK


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Debt Management Plan UK

One affordable monthly payment
On going debt plan support
The best way to freeze interest and charges
Regain control of your finances without borrowing more money
Informal arrangement which suits your financial situation
Bankruptcy UK

We deal with your creditors for you
Allows you to make a fresh start after 1 year
Creditors must stop most types of court action
Any outstanding debts written off
You keep all personal belongings, like household goods
Individual Voluntary Arrangements UK

Become debt free in 5 years
Payment demands by telephone and letter stopped
Write off up to 75% of your debts
Fixed legally binding agreement
Protection from court action
Alternative Debt Solutions Services UK

Company Voluntary Arrangement
Debt Relief Order
Fast Track Voluntary Arrangement
Scottish Trust Deeds
Debt Consolidation
Government Debt Help
NEWS FEED INCOME - The UK family saw its typical income fall from £2,150 (May 2014) to £2,003 (Aug 2014).  The typical UK family spends £141 per month on debt repayment which is up 23% from £114 in May 2014.                EXPENDITURE - The typical family’s savings fell to £1,131 (Aug 2012) from £1,228 (May 2014)             FAMILY WEALTH - The number of families with no savings rose to 28% (Aug 2014) from 24% (May 2014)           HOUSING WEALTHThe typical mortgage on a family home is (£104,157), which is up on the same time last year (£94,156 – Aug 2014)            FAMILY BORROWING -   The typical UK family owes £10,563 in unsecured lending which is up from £9,314 in May 2014. The three most common types of  Family borrowing are through credit cards, personal loans and overdrafts.  Energy bills have seen annual inflation of 10.11% (June 2014)   Other notable annual increases include a 4.04% (June 2014) increase in the costof public transport and 3.68% (June 2014) on recreation and entertainment.

National Debt Advice

National Debt Advice is here to help you find the correct debt advice to match your personal circumstances. Finding a debt solution that works for your personal debt problem should be your first priority. However, the best debt advice is most important, after all, taking the wrong debt advice could cost you more than just time and money.

Primarily, In order for you to work out where you need to be in financial terms you should analyse your current personal debt situation. A debt advisor will do this for you.


Debt Solutions

The correct debt solution can be different for everybody and depends mostly on the total debt and amount of creditors owed to. The most common debt solutions that are advised are likely to be Government Backed Schemes which may help most people in financial difficulty. Some of these include:

Benefits for you:

  • Instant relief from financial pressure.
  • Reduce your payments for credit cards, loans, and most outstanding debts to one amount that you can afford.
  • In most cases write off a large portion of your debt.
  • Keep control of finances and stabilise your financial situation.
  • We offer a range of alternative debt solutions to those people who struggle with their finances.
  • Regular reporting on case progress.
  • 7 day a week contact with a debt advisor for any queries on your payment plan.
  • Receive honest and independent advice on their financial situation from reputable company.
  • Re-education on effective budgeting and money management – less likely to suffer again in the future.


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Debt Management Plan

What is a debt management plan?
Who can use this service?
How does it work?
Will I be charged for a DMP?
Benefits of a DMP
Drawbacks of a DMP?
What happens next?

Bankruptcy

What is Bankruptcy?
Benefits of Bankruptcy
Drawbacks of Bankruptcy
How to go bankrupt
Assets – Your home
Hire Purchase Agreements
Income Payment Orders and Income Payment Agreements
Bankruptcy Restriction Orders
Useful links
IVA’s

What is an IVA?
What is the purpose of an IVA?
How are the monthly payments calculated?
How does it work?
Who can use an IVA?
Who is eligible for an IVA?
Which debts can be included?
Will I have to pay for this service?
  Benefits of an IVA?
  Drawbacks of an IVA?
  The IVA Procedure?
  How the monthly payment works?
Trust Deeds

What are trust deeds?
How do trust deeds work?
Benefits of trust deeds
Drawbacks of trust deeds
Alternative debt solutions

Company Voluntary Arrangements
Debt Relief Order
Fast Track Voluntary Arrangements
Debt Consolidation
Scottish Trust Deeds
Government backed schemes

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