Debt Management

Debt Management as an option can be more helpful than a consolidation loan.

Taking out a consolidation loan may just prolong your debt problem and add further to the overall debt amount by adding interest to the amount that you already owe...

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The Individual Voluntary Arrangement or IVA

allows someone who is in financial difficulty to make an offer to settle his/her debts within a reasonable and fixed period of time (usually no longer than 5 years)

The repayment offer will be based on what you can afford to pay rather than what you owe and after you have paid for the time period agreed, your debt will be considered as settled in full....

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Trust Deeds

A Trust Deed is a legally binding voluntary arrangement, available only in Scotland which offers debtors an alternative to bankruptcy.

It is designed to enable those who cannot repay their debts a way to establish a monthly repayment schedule based on what the debtor can afford to pay. The Trust Deed will last for a specified period...

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Applying is easy and confidential...

Making an application is easy and is the first step to get- ting your finances under control. The information we need is basic financial information about what you owe and your income. Using this information we work out the best way to help you.

All we ask is you be honest about you situation and we will be able to offer the best advice to help you get back in control.