Debt Advice

We are dedicated to solving debt problems

The UK Insolvency Helpline debt advice team has a large skilled debt advice and support unit. We have been offering debt advice for over 15 years and are dedicated to solving debt problems.

In the 15 years we have been working with the public we have helped over many families have a debt free future. We use our specialist advice trained staff to find the best debt advice for those seeking debt help & advice and who want to get debt free.

We assist individuals, families and businesses with debts or those just seeking debt advice. If we find that debt problems are not that serious (under £5,000) we can still offer debt help advice to you. Many people that call us have debts of £15,000, to several credit companies. Often, our debt advice teams work out that an IVA is the best route to recommend. The IVA or Individual Voluntary Arrangement for many is considered the best form of debt advice in the UK as it is a legally binding way to pay a small percentage of debts back over a short period of time. An IVA is very effective as it avoids all the social and financial problems associated with bankruptcy. Bankruptcy is considered the last option by our experienced debt advice teams.

Often our clients get disappointed that they do not qualify for an IVA. This may be because they are earning too much, have too much equity their properties or not enough debts. If this is the case please do not worry as there are many other procedures that can be offered by our debt advice unit workers.

So the options for those seeking debt help advice are;

Please note that an IVA is legally binding whereas a debt management plan is not. Our comprehensive Debt Management Plan assessments are very detailed. Please note that our debt advice service will only recommend options that will get you debt in the shortest time possible. Please note that for consumers considering a Debt Management Plan (DMP), although the consumer may become debt free at the end of the DMP period, if a default notice has been issued the effect is likely to remain on the consumer's credit profile for a lengthy time.

Please note that for consumers considering a Debt Management Plan (DMP), if interest and charges continue to apply then there will be an increase in the total amount of debt to be repaid and that due to lower monthly payments it is very likely that the debt will have to be repaid over a longer period of time.

Our confidential and non-judgemental debt advice service is far superior from the many sales-based debt management companies who advertise in the tabloid newspapers and on satellite TV.

Click here to read about Debt Management.

Please call us on FREEPHONE 0800 074 6918 for further information.

Disclaimer

Please note that in line with OFT debt management guidance The UK Insolvency Helpline Debt Advice Service does not provide nor administer debt solutions itself. Instead the service will put you in touch with a licensed professional to arrange the debt solution. Please also note that unlike most licensed insolvency practitioners, the licensed insolvency practitioners that consumers are referred or forwarded by The UK Insolvency Helpline for an IVA (Individual Voluntary Arrangement) to do not charge any upfront fees. This fee structure means that the monthly payments consumers make into the IVA will cover the payments to the creditors as well as the licensed insolvency practitioner’s fee for preparing, nominating and supervising the IVA. Finally, please note that where consumers are referred for debt management plans these services attract a fee.

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IVA's

The IVA Guide
The UK Insolvency Helpline has put together an IVA Guide based on the enquiries and questions that we receive at our helpline offices.

In the guide we cover such subjects as IVA Approval, early settlment of your IVA, missed IVA payments, IVA failure, additional debt claims and much more.
[click here for IVA Guide]

What is an IVA?
The IVA is an extremely powerful tool enabling you to clear your debt and return to a clean financial bill of health. Visit The UK Insolvency Helpline's Guide to Individual Voluntary Arrangements (IVAs).
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The UK Insolvency Helpline offers confidential and non-judgmental advice and will put you in touch with a licensed professional to arrange your debt solution. Please note that failure to adhere to a debt solution could result in further financial problems. Please note that whilst initial advice is free, fees may be payable depending on the solution provided. Please note that your home may be repossessed if you do not keep up with repayments on a mortgage or secured loan.

Debt Advice

We are dedicated to solving debt problems

So the options for those seeking debt help advice are;

Disclaimer

Debt Advice - Information Centre Menu

ENQUIRY FORM

FREEPHONE DEBTLINE

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