Wind Farm - Tait Walker

Personal Debt

Thank you for visiting this page - you have now taken your first step in looking to resolve your current financial difficulties.  If you would like to talk to us in person please call us on 0800 804 7447 to book a free confidential consultation.

You can also fill in our enquiry form and we'll get back to you.

Recognising that you need help is often the hardest part but, with the assistance of our team of professionals, we will provide you with all the information you need on the various debt solutions available to you, taking into account your individual circumstances.

Our personal team have an enviable reputation in assisting people to find solutions to their debt problems and are noted for providing clear, honest and concise advice.

So, what do you want to do?

If you are unsure of the scale of the problem and are unsure if you can continue to manage your debts without any further assistance from us, why not have a look at the helping yourself page which should provide some initial guidance as to general options.

If you think you are in trouble but wish to avoid bankruptcy either an individual voluntary arrangement or a debt management plan may be the answer.

If you are wanting information on bankruptcy or indeed think that this may be your best option, we can discuss your situation and confirm if this really is the best solution for you.

If you're not sure what information you need or you want to discuss all your options, please feel free to give our team a call on 0800 8047447 for a free confidential consultation.

Or complete our enquiry form and we will call you back

Individual voluntary arrangements (IVA)

So you think you're in trouble and have heard about voluntary arrangements but need to know if it's the right thing for you? Read on and hopefully we can help you.

IVA suitability

An IVA is not advertised, therefore it is an agreement between only your creditors and you.

IVA pro's & con's

An IVA is not advertised, therefore it is an agreement between only your creditors and you.

Reduce your expenditure

If you would like to talk to us in person about how you can reduce your expenditure then please call us on 0800 804 7447 for a free confidential consultation.

Increase your income

Increasing income can be difficult, so you need to ensure that you are obtaining all funds owed to you and benefits. It maybe you can get rid of surplus items you no longer want or need – these could be sold via an online auction site and can bring in some much needed income.

Bankruptcy

So you believe bankruptcy might be the answer but you need more information - you've come to the right place!

Bankruptcy creditors petition

Someone else can make you bankrupt if you owe them more than £750 (unsecured debt).

Making a bankruptcy order

The Official Receiver (a civil servant in the Insolvency Service) will be appointed to deal with the bankruptcy assets and to deal with all administration on the bankruptcy.

How to declare yourself bankrupt

To apply you will need to have the court fee and deposit in cash - the Court will be able to confirm the exact fee at the date you apply.

What is a debt management plan?

So - you've heard about DMP's or Debt Management Plans but wonder what they are and whether this is the solution for you?