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Bankruptcy Advice THE ONLINE DEBT HELP AND
BANKRUPTCY ADVICE SERVICE
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From a mobile: 0333 212 0068 
 

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    Bankruptcy Petition
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    Statutory Demands
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    Official Receiver
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    Your Bankruptcy Hearing
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    Debts Excluded from Bankruptcy
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    Your Assets
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    Your Property
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    Your Car & Bankruptcy
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    Bank Accounts
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Benefits of Debt Management

Debt Management has many advantages :

  • We can ask creditors to freeze or reduce the level of interest on your debts. Whilst your creditors are not legally obliged to do so, we have a good record of negotiating with creditors if it is clear you are unable to make the full repayments but are prepared to make a reasonable offer.

  • You only make one payment per month.

  • Debt Management has greater flexibility than an IVA. If your income reduces we can negotiate with your creditors to try to bring your payments down to a comfortable level. 

  • If your income were to reduce with an IVA and your creditors did not agree to reduced payments, you could be forced into bankruptcy.

  • Although your creditors are free to contact you, we aim to act as a liaison. If you get letters from them, please forward them to us. If they call you, then you can ask them to call us.

  • With a Debt Management Plan, your debt repayments reduce to a level that you can afford. We look at all of the living expenses that the government says you are legally entitled to, to work out how much you can afford to pay, rather than the amount your creditors want you to pay.

  • Taking on a Debt Management Plan is a serious decision and should not be taken lightly. Debt Management will affect your credit rating in the short term, and may also affect it in the medium to long term. Debt Management can not be used for priority debts such as council tax or utility bills, or secured loans.
Our team of specialists are here to help answer any of your questions about Debt Management Plans. You can call our helpline on 0800 088 2147 or simply the online test to check if you qualify. Find out if you qualify for Debt Management

Debt Solutions

Become stress free from as little as £100 pcm
With a Debt Management Plan you could simply pay one affordable monthly payment and no longer have to deal with your creditors..
See if you qualify  
 
Write off up to 70% of your debt
If you qualify for an IVA you could:
Write off up to 70% of your debt
Freeze all interest & charges
Keep your house

See if you qualify  
 
Scottish Resident?- be debt free in 36 months
Be DEBT FREE in 36 months using Scotland's answer to the IVA.
See if you qualify  
 
© 2014 DebtAdvice-Online.co.uk. 210-222, Hagley Road West, Quinton, Birmingham, West Midlands, B68 0NP
    
 
 


DebtAdvice-Online.co.uk does not charge you any fees for our service, however the partners we work with help fund the DebtAdvice-Online.co.uk service. Our partners charge fees and those vary depending on the partner and the debt solution. Customers should refer to our partners' websites for more information regarding their services.

We will pass your details on to one of our debt partners who will contact you and explain all the options available to you. They will then be able to help you set up a debt solution which is right for you.

Debt solutions should not be entered into lightly - they affect your credit rating. Failure to keep up with repayments can result in bankruptcy or legal action. Different debt solutions have different risks attached to them.

The lender is not obliged to accept less in settlement of the debt than they are entitled to; nor to freeze interest or charges. It could result in the total amount payable increasing, or the period over which it is to be repaid increasing. Debt solutions affect credit ratings.

The debt products and solutions offered by our partners depend on your criteria and circumstances, including how much you owe and how many creditors you owe money to. You need to speak to a debt advisor to obtain a full assessment.

 
 
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