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| Compare Debt Solutions / Compare your Debt Options |
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| There are many different debt solutions available, you need to make sure you are choosing the correct option for your financial needs. Our experienced debt advisors will talk over all available debt solutions that are available to you. Compare debt solutions, and see which one best suits your financial needs. |
| We have put together a brief breakdown so you can compare debt solutions |
| Individual Voluntary arrangement (IVA) Government debt help scheme |
| An Individual Voluntary arrangement (IVA) is a form of Government Legislation to help people write off a large amount of debt. If you owe over £15,000, are in full time employment and can afford at least £200 towards your unsecured debts then an Individual Voluntary arrangement (IVA) may the best solution for you. You make one affordable payment per month for a set period of time (normally 60 months), at the end of the term any remaining debt is written off and you are debt free. Speak to one of our experience debt advisor about Individual Voluntary arrangement (IVA) on our free phone debt helpline. |
| Debt Management / Debt Management Plans |
| Debt Management is the most popular forms of Debt Help to the general Public. More and more people are struggling with their finances and suffering with the stress of debt. Debt Management consolidates all your unsecured debts into one affordable monthly payment and takes away the hassle of dealing with annoying letters and phone calls from creditors. Speak to one of our experience debt advisor about a Debt Management Plan on our free phone debt helpline |
| Consolidation Loans |
| If you have credit card debt you will more than likely be paying high interest rates on your repayments. Typical rates on credit cards are anything between 20% - 35% APR. By taking out a consolidation loan you could reduce these rates by at least half and save a packet! Use our free comparison calculator and see if a consolidation loan is right for you. Speak to one of our experience debt advisor about a Consolidation Loans on our free phone debt helpline. |
| Trust Deeds / Protected Trust Deed (PTD) – Government Debt help Scheme (Scotland Only) |
| A Trust Deed / Protected Trust Deed (PTD) is a form of government legislation to help people write off debts that they cannot afford to repay. To qualify for a Trust Deed / Protected Trust Deed (PTD) you must live in Scotland, owe over £10,000 and be able to afford £150 or more towards your debts. You pay a fixed amount for a set timescale (usually 36 months), after which time any remaining debt is written off and you walk away debt free. Speak to one of our experience debt advisor about a Trust Deed / Protected Trust Deed (PTD) on our free phone debt helpline. |
| Bankruptcy |
| For some of us bankruptcy is the only option out of a financial dilemma but it should only be considered as a last resort. There are three ways to declare yourself bankrupt; Voluntarily, Involuntarily or by a Trustee. Find out if bankruptcy is the right option for you and we will advise a the most suitable company to help you through the process. Speak to one of our experienceddebt advisor about Bankruptcy on our free phone debt helpline |
| Call Your Debts Cleared free on 0800 692 2000 or Take our online DEBT TEST |
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