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Debt Management

Are you getting Credit Crunched?

Whatever your circumstances, don't put your head in the sand!

Debt Management is one of a number of debt solutions available for people struggling to pay their debts, refer below for a brief summary of the options.

Debt Management
We will deal with your creditors for you, to reduce your monthly repayments to a more comfortable level. Our aim is to give you the lowest repayments, and the option to settle your debts early. Find out more...

Individual Voluntary Arrangement (IVA)
An IVA is an extreme form of debt management. It is a legally binding agreement to pay a reduced sum for a number of years, usually five. It can lack flexibility and you are only one step away from bankruptcy. Find out more...

For most people, bankruptcy is a last resort. If you are made bankrupt you will loose control of most of your assets, including your property. The bankruptcy period will last for one year, after which you will be discharged. Find out more...

Remortgage or Consolidation Loans

If there is sufficient equity in your property you may opt for a re-mortgage or consolidation loan. This will reduce your payments, but your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. Find out more...


As each case needs to be assessed on its own merits there is no standard solution that can be posted for consideration so we advise you to call for a confidential no obligation discussion.


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We are consultants and therefore provide professional impartial advice:

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