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Write off up to 80% of your debt

Stop all interest and charges

Write-off unaffordable debt

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You are not alone, millions of people suffer from debt problems. Complete the questions below to get debt management advice. If you need urgent help, call us on 0161 640 5212

A three-step process to take control of your debts

1

Answer the quick and easy questions above (or you can call us)

2

Speak confidentially with a trained debt advisor to get the best options

3

Pay your debts back with affordable monthly payments

Alex, my advisor, was so kind and helpful, she informed of everything I need to know in detail and help me to take the right decision in order to get debt free.

Professional and extremely helpful I couldn’t fault the service I received from my advisor.

The whole process went along smoothly and now am ling with less stress and have total control over my finances

I dealt with the same adviser until my case had been finalised. I was very nervous about dealing with my debt, Connor made me feel at ease and was very easy to communicate with.

Absolutely fabulous company, I delt with Chris who talked me through everything step by step, please if anyone is struggling get in contact with these guys 10/10

Everyone who I’ve spoke to and asked questions has been polite and took the time to explain every last detail to me, what you guys do is really life changing, Thank you again.

Debts we can handle

Utility Debts

Council Arrears

Store Cards

Payday Loans

Catalogues

CCJ Debts

Overdrafts

Loans

Credit cards

HMRC Debts

Bailiffs

Debt Collectors

To find out more about managing your money and getting free debt advice, visit Money Advice Service

To find out more about managing your money and get free debt advice, visit Money Advice Service

Frequently asked questions

What is an IVA?

An IVA, or Individual Voluntary Arrangement, is a legal agreement that allows you to repay only what you can reasonably afford to your creditors over a pre-determined period of time – typically around five years. These payments are made in monthly sums and are split between your creditors after paying the costs of the IVA.

As a formal insolvency solution and an alternative to bankruptcy, every IVA is established and overseen by a Licensed Insolvency Practitioner – who acts as the mediator between you and your creditors.

Will my interest and charges get frozen?

Depending on which solution(s) you qualify for, they may include benefits such as guarantees to freeze interest and charges. If you qualify for these solutions you will have them explained to you in full, including their advantages and disadvantages and any costs or fees so you have a balanced and thorough understanding of the solutions you qualify for. You can then make your own informed decision on how you would like to proceed. Everybody’s individual circumstances are different, so get in touch today for free, no-obligation support and advice.

Is it really this simple, what’s the catch?

There is no catch but dealing with debt means you have to budget. For a solution to succeed in clearing your debt you must make sure that you don’t promise to pay more than you can realistically afford. You might be surprised to learn that your creditors are likely to agree to accept less than you expected once they understand you are taking advice and action to sort your debts out.

Would I qualify if on a low income?

All we can do is see. We understand that everybody has different circumstances, which is why we encourage you to always get in touch and let us know your story. Let us see if we can help. We will focus on what you can actually afford rather than what your creditors are demanding. Most people qualify for at least one form of debt help and you will always be given information on whatever you qualify for, including debt solutions which may result in your debts being written off completely.

Would my lenders accept less than I owe?

We will recommend to you the amount you should offer to your creditors. Your creditors are obliged to allow you to keep enough of your income so that you have a reasonable standard of living. We will advise you how much you should offer as a fair payment towards your debts while making sure you keep enough of your income to cover payment of your living expenses. Even though this may mean that your creditors will end up receiving less than you owe them, your creditors are still likely to accept the payment offer we recommend.

What about my assets etc?

Most debt solutions will allow you to keep your assets; in fact, some even protect them! If you become bankrupt most of your assets will be automatically transferred to the Official Receiver. You will be allowed to keep household furniture and equipment and your car provided it is not worth more than £1,000. If you are a homeowner your interest in your house, i.e. the amount you would expect to receive after payment of your mortgage and the costs of sale will be transferred to the Official Receiver. A Debt Expert can help you by explaining the advantages and disadvantages of the various solutions so that you can choose the solution that is best for your individual circumstances.

Who is the National Debt Advisory?

National Debt Advisory is a trading style of Adams Pickard Limited also trading as Bennett Jones Insolvency. We specialise in providing and administering Individual Voluntary Arrangements (“IVAs”) for people from England, Wales and Northern Ireland. We do not administer Debt Management Plans, Debt Relief Orders, or other debt solutions. To qualify for debt write off in an IVA with Bennett Jones Insolvency you must have a minimum of £6,000 of qualifying unsecured debt owed to 2 or more creditors.

Do I pay a fee?

Fees are payable for IVAs These fees are included in the affordable monthly amount you pay. All fees are fully explained at the outset and during qualifying periods. You will be given all the information on fees so that you can make an informed decision before you proceed.

Example of typical debt solution & fees*
Monthly Payment – £149, Number of monthly payments – 60, Total repaid by you – £8,940, Nominee’s Fee – £1,900, Supervisor’s Fee – £1,750, Total paid to Creditors – £5,290, Total debt level included – £21,105, Total debts written off – £15,815 (74.94% of total debts).

*Figures are based on IVA’s approved by Bennett Jones Insolvency in the last 12 months

How much do I have to pay per month?

A Debt Counsellor will help you determine this. When convenient we will review your income and your expenditure together. We will assess a fair and realistic amount you can afford after making sure you can pay priority bills like rent, gas, council tax etc. Then we will review what you pay towards normal everyday costs. Once we have done that we will be able to see what’s available to pay to your creditors. We will always aim to make sure you have a reasonable standard of living. This means we will never recommend that you pay an amount you couldn’t afford or sustain, which could later result in problems such as stress because you missed payments. More often than not we are able to arrange a payment, which is a lot more affordable for you than you may have previously thought possible.

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