A Debt Expert will need to help you determine this. At a time convenient for you we will look over your income and your expenditure to assess a fair and realistic amount you could afford towards paying your debts. We have a duty of care to make sure you have a reasonable standard of living. This means we will never recommend you to pay an amount you couldn’t afford which could later result in problems such as stress or even 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.

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 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.

There is no catch. All solutions we discuss have been around for a long time, they are just not spoken about much on either the radio or television. People usually only learn of ourselves and the solutions we recommend when they are in need of our service. Getting debt free can be easy and hassle free if you look in the right places. In many cases we can help to put arrangements in place with your creditors resulting in a large portion of your outstanding debts being legally written off.

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.

Most debt solutions will allow you to keep your assets, in fact some even protect them! Some debt solutions disregard them completely and they make no difference but when looking at high forms of insolvency like Bankruptcy etc you may be asked to include some or all of your assets. Other solutions like Debt Management could potentially affect your home if you have equity but a Debt Expert can talk through the ins and outs as soon as you are ready to talk.

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.

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.