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Debt Consolidation Help

Debt Consolidation Help: The Way Out of your Debt (Without More Debt!)

Apply For The IVA or Debt Relief Plan For Your Own Circumstances

Independent Advice. No Bankruptcy. No loss of Dignity.

An IVA (Individual Voluntary Arrangement) is a form of debt consolidation help plan set up by the government to try to eliminate personal debt and to deal with the issue of personal insolvency.

The needs of one person may vary greatly from the needs of another person. Any debt consolidation help and advice given must thus reflect the unique nature of the situation in which people find themselves.

An IVA will write off the bulk of your debt at the beginning of the programme (although be wary of the exaggerated claims made in some advertising: it is seldom much more than 60 or 65 per cent of total unsecured debt which can be cancelled). All good debt consolidation help will ensure that you get the optimum results with the lowest repayments together with the highest proportion of debt write-off.

So complete the online form below for impartial and independent debt consolidation help for your own personal situation.

If you have at least two accounts in debt, and total debts of £2,000 or more, use the form below to see if you qualify. (If you owe less than this, or are on state benefits, then use this link to apply.)




















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Please be aware that figures entered need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and inrelation to any specific circumstances that may relate to you. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.

Consumer Credit Licence number 633327.

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Any instrument of debt consolidation help, such as an IVA, will be typically framed by a qualified specialist insolvency practitioner and will be made specifically to cover the specific requirements of the client. There is no one-size-fits-all approach to such matters as each situation is different, and some differ considerably. The insolvency practitioner will now prepare the optimum blueprint according to the client's own situation and draw up a schedule of payments to a central fund which is typically sixty months, though in some circumstances this may be made to differ.

Our economy is a highly complicated thing. Economists and specialists of all types try to comprehend how it functions on a daily basis. It has been compared to a vast machine. In the final analysis day to day economics influences political and social decisions and these things are largely regulated by the kind of society that we live in. This culture at the moment is aligned towards success and that often means exposure to risk. As long as we live with this peril we have also to live with the terrible prospect of debt, both corporate and personal. The use of debt consolidation help is designed to alleviate this risk to a greater degree.

In order to be suitable for debt consolidation help the applicant must have a salary or earnings which is in excess of a certain minimum amount and have arrears of more than a specified sum and no greater than a certain sum, and such values may alter from one insolvency practitioner to the next. Normally the income must exceed these repayments after other necessary outgoings have been paid such as mortgage payments and council tax and utility bills. The usual minimal amount of personal debt is around 2,000 though this may vary. A top value of 50,000 is sometimes stated, though by making use of a third party the client will be steered to best source of help to handle their own particular situation.





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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.


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