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    • Reduce your debts by up to 80%
    • Make smaller monthly repayments
    • Regain control of your finances
    • Let us deal with your creditors
    • By law – only pay what you can afford

    Debt Management Plan

    • One affordable monthly payment
    • Ongoing 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

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    IVA’s

    • 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
    • Government Approved IVA Scheme

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    Alternative Debt Solution

    • Company Voluntary Arrangement
    • Debt Relief Order
    • Fast Track Voluntary Arrangement
    • Scottish Trust Deeds
    • Debt Consolidation
    • Debt Help
    • Government Debt Help
    • Government Debt Advice

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     Bankruptcy 

    • 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

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    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.

    Case Study 1

    Individual Voluntary Arrangement (IVA)

    Here is how a IVA can help you repay your debt:

    BEFORE: Monthly Payment = £865 (Term: 10 years)

    AFTER: Monthly Payment = £160 (Term: 5 years 0 months)

    MONTHLY SAVING = £705 Reduced by 81.5% (Term reduced by 5 years 0 months)

    Total debt: £20,612

    The new monthly Payment £160 is based on what you can afford each month.

    *In this example all interest on debts is frozen and 81.5% of the debt will be legally written off at the end of the 60 month duration.

    Case Study 2

    Individual Voluntary Arrangement (IVA)

    Here is how a IVA can help you repay your debt:

    BEFORE: Monthly Payment = £495 (Term: 8 years 6 months)

    AFTER: Monthly Payment = £80 (Term:5 years 0 months )

    MONTHLY SAVING = £415 Reduced by 83.9% (Term reduced by 3 years 6 months)

    Total debt: £10,360

    The new monthly Payment £80 is based on what you can afford each month.

    *In this example all interest on debts is frozen and 81.5% of the debt will be legally written off at the end of the 60 month duration.

    National Debt Advice