Many people contact The UK Insolvency Helpline looking for debt help.

The UK Insolvency Helpline is the UKs largest free provider of money advice for people with serious debt problems.

We offer tailor made debt help based on your individuals requirements. The Service has been established for over 15 years offering debt help to tens of thousands of people seeking debt help for their debt problems.

The debt help offered by the debt help advisors is completely free of charge. Our advice is  totally impartial and we are a trusted source of debt help for both the public and private sector.

When we are approached for debt help, we carry our a personal credit and assessment of the persons finances. We will then use our specialist debt help knowledge to find the best range if solutions available.

One solution which is growing more popular, both with debtors and creditors an IVA (or Individual Voluntary Arrangement).  To qualify for an IVA as a debt help solution, the individual must owe at least £15000 to at least 3 separate organisations. In addition they must be able to afford at least £200 per month for a 5 year period.

The advantage of an IVA is it allows you to pay back a proportion of your debts in a realistic time period and most importantly at a level the person can easily afford.

An IVA usually lasts for a period of five years At the end of the period the balance remaining on your debts is written off by your creditors, and you are completely debt free. Using the IVA as a method of debt help removed the disadvantages of bankruptcy, such as not being able to act as a company director or being publicly examined in court. Click here to read more about IVAs.

Other methods of debt help that can be utlised can be credit industry approved debt management plans. Whereas an IVA is a legally binding agreement, a debt management plan is more informal  so there is no guarantee your creditors will accept you debt help plan.

We urge the public to ignore debt advice forms whom advertise on TV, Radio or pay per click Internet search engines as they always charge fees.

Please note that if we may recommend a credit industry debt management plan as being the best debt help it will be free of charge.  Your debts do not grow or get rolled up and we will not charge you a fee. Learn more about Debt Management here.

Other Debt Help Solutions

If your need a consider re-mortgaging, bankruptcy or a consolidation loan as alternative debt help solutions we can also discuss these too.

Please note that we always identify the best debt help solutions for each client through our trained counselors.

If you need debt help please call call us free today on 0800 074 6918.

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