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Frequently Asked Questions (FAQs)
Alternative Debt Solutions
We help hundreds of people every week to resolve their debt problems.
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Our debt experts will talk you through all of the debt solutions available. Call today on 0845 519 6093 and talk to one of our friendly debt advisors.
Debt Consolidation - Alternative Debt Solutions
A Debt Consolidation is not the only debt solution available, if you are struggling with your finances there are other alternatives, such as:
Individual Voluntary Arrangements (IVA's)
An Individual Voluntary Arrangement (IVA) is a formal agreement with your creditors to repay your outstanding debts at a payment you can afford over a set period of time, normally 60 months. All interest and charges being applied by your creditors will be frozen and stopped.
For more information take a look at our Individual Voluntary Arrangement (IVA) page
For more information take a look at our Individual Voluntary Arrangement (IVA) page
Bankruptcy
Bankruptcy has always been considered that last resort if you are in financial difficulty as it has serious repercussions and you should be fully informed before looking at this option. Bankruptcy will seriously affect your credit rating and it will also put your property, personal effects and assets at risk. There are other debt solutions available such as Individual Voluntary Arrangements (IVA) or Debt Management Plans.
For more information take a look at our Bankruptcy page
For more information take a look at our Bankruptcy page
Protected Trust Deeds (PTD) Scotland Only
A Protected Trust Deed (PTD) is very similar to an Individual Voluntary Arrangement (IVA), but it is for residents of Scotland only and there are a few differences. A Protected Trust Deed (PTD) is a formal agreement between you and your creditors to repay them over a set period of time, normally 36 months. When your Protected Trust Deed (PTD) has been accepted, all creditors will Stop phone calls, letters, interest and charges.
For more information take a look at our Protected Trust Deed (PTD) page
For more information take a look at our Protected Trust Deed (PTD) page
Sequestration - Scotland Only
Sequestration is the Scottish equivalent of Bankruptcy and because it is similar it is a very serious solution and you must be fully informed before making your final decision
For more information take a look at our Sequestration page
For more information take a look at our Sequestration page
