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“...I was actually doing fine. Nice little
mail-order business. Okay, I got a bit behind on the
VAT payments, but I could have handled it. Only then
my bloody house goes and burns down. Insurance takes
forever to pay, and frankly I was so shook up by the
thing, I lost it a bit workwise. Just couldn’t keep
on top of things. Started missing payments....”
Mark Dudley
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"Thank you so much for
all your help. It really has made a massive
difference to our lives. We really appreciate
everything you have done for us. Thank you."
Mrs Virginia Ince,
Chorley
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Many companies make you start paying the
costs of an IVA even before the
arrangement has been agreed.
If the IVA
turns out to be unsuccessful, you’ll
find it very hard to reclaim your
money. Our licensed
practitioners have close
relationships with most creditors
and know from experience what they
will and will not accept So we
won’t waste your time putting
forward a proposal that has no
chance of success. But in any case,
we will never charge you any fees
upfront – our service is completely
free.
Ian Slater IVAfreehelp debt help campaigner
2006
If you want
clarification on any of these
points, please telephone 0161 244
5649 and speak to one of our
personal advisors. |
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We trust this
will help with your decision making and hope
you find the content both useful and
informative. Please BOOKMARK this page so
that you can return easily for more
information.
You will need to contact us if you have debts that are
worrying you. We can help simply and quickly
stop your debts increasing.
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| There are no catches or hidden fees; by
contacting us about your debt, you are
not making a commitment. We will just
give you all the information you need
to help you make informed decisions on
your debt and deal with you in the strictest of confidence. |
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| Our service is
totally free and we can
explain how you can be debt free in 60
months by paying just one affordable monthly
payment. Our free advice will guarantee you
an easy route to being debt free, and
without any hassle from your creditors. |
Example Case:
If you
had a total debt of £21,000 and made 60 monthly
payments of £184, the
total amount you would re-pay is £11,040
The remaining £9,960 is
written off and you walk away legally free of
debt.
Total Debt |
Monthly payment |
Duration |
Total debt you pay back |
Total debt wiped off |
£20,000 |
£180 |
5 years |
£10,800 |
£9,200 |
£25,000 |
£200 |
5 years |
£12,000 |
£13,000 |
£30,000 |
£221 |
5 years |
£13,260 |
£16,740 |
£35,000 |
£242 |
5 years |
£14,520 |
£21,740 |
£40,000 |
£263 |
5 years |
£15,780 |
£24,220 |
£50,000 |
£305 |
5 years |
£18,300 |
£31,700 |
To work out your estimated IVA monthly payment click here
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| Our debt advice is totally free.
With an IVA your debt repayments are restructured into one affordable monthly payment through a qualified licensed practitioner who acts on your behalf with your creditors at no extra cost.
Providing you stick to the IVA agreement any balance of your debt outstanding after 60 months will be written off. Which leaves you debt free. |
Put all your debts under
one mortgage with a low repayment.
If your paying your debts as well as your
mortgage. Then why wait? Doesn't it sound
reasonable to get a remortgage which will clear
your debt off. Leaving you with just one
mortgage payment that will re-leave the stress of
your unnecessary debt. To find out more on how
much your monthly payment towards a remortgage
would be, click here |
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Please contact us as everybody's situation is different. click here
What are the advantages of an IVA?
You may only have to pay back a percentage of your debts.
You make one reasonable payment.
The IVA is legally binding so that your creditors cannot change their terms of agreement.
Creditors have to agree to stop your interest and charges.
Creditors are not allowed to contact you direct during your IVA period.
No legal action can be taken against you (IVA supersedes any previous action taken against you).
Unsecured Loans, Defaulted secured loans/Car HP (if negative equity and property repossessed), credit cards, store cards, Bank Overdraft, Preference account Loans, Student loans, Store HP, Council tax arrears, Disconnected phone bills, Previous rent arrears, Disconnected Utilities Catalogues, inland revenue, VAT, National insurance contributions, Business rates, Business Merchants.
If you know someone
who may be interested in our services then Click
Here |
Did you know you can be debt free in 3 months?
To qualify for a full and final IVA you will need a total of 25% of the amount of your debt plus I.P cost of £5,000.
For example: Debt = £30,000 x 25% = £7,500 plus I.P cost of £5,000 Total repayment = £12,500, and the creditor wipes off £17,500. More details.
Debt repayment Plans
If you're struggling to get onto a IVA or any other services, we work with debt management companies who can put all your debts into one pot, so that you can make one agreed affordable payment towards your debt every month. Click here for more information
Are you in a vicious debt circle as a result of transferring credit cards?
Transferring various credit balances to a credit card, often at 0% finance, and using credit card cheques to pay off non-credit card debts, can work for you if you are able to clear the balance before the interest starts accruing Often, however, people simply fall into a vicious circle of increasing debt as a result. If you wish to avoid credit card balance transfers and are looking for a more appropriate solution click here.
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