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Debt Consolidation Company

Debt Consolidation Company: 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.

If you are looking for a debt consolidation company we can put your details before our panel of debt consolidation companies with just one application. Having them compete for your business will then assure you of the quote for your own circumstances.

An IVA is a debt relief plan set up by government to provide a solution to personal debt and deal generally with the issue of personal insolvency. Our client is a debt consolidation company and is licenced to give advice and do so on the understanding of the fact that Individual voluntary arrangements can never be one-size-fits-all quick fixes to any financial problem, as individual circumstances are so different.

The needs of one household may be vastly different from the needs of another person and any good debt consolidation company should be aware of this. Any IVA advice given must take into account the unique nature of the situation in which people find themselves.

In general an Individual Voluntary Arrangement will be set to run by the debt consolidation company for five years and when the term is complete all the debts are discharged from a person's credit history.

An IVA writes off the bulk of a person's debt at the start of the programme (although be wary of the claims in some advertising: it is seldom more than 60 or 65 percent of unsecured debt which can be 'written off' by this means). Any good debt consolidation company will ensure that you get the optimum results with the lowest monthly repayment options together with the highest proportion of debt write-off at the outset.

So fill in the form for impartial and independent IVA advice which is right for your own personal circumstances.

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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Governments attempt to help folk who are suffering from insolvency in a number of ways. There are programmes like CVAs and IVAs to assist the conduct of both personal and corporate debt recovery and to try and palliate what is a difficult procedure, and a debt consolidation company is an integral part of the solution. The object is meant to be toward safeguarding possessions wherever possible and also in safeguarding the wealth of individuals by using legal measures. This applies to both private property and the wealth of businesses on which individual wealth depends.

An IVA (or similar instrument) recommended through a debt consolidation company will in general be framed by a qualified insolvency practitioner and will be made specifically to match the specific requirements of the client. There is no typical approach to such things as every situation is different, and some situations differ exceedingly. The insolvency practitioner will now prepare the optimum proposal for the client's own circumstances and then set up a programme of repayments and this is typically for 5 years, although in some cases this may be made to differ.

A number of disciplines have grown up surrounding the area of insolvencies, and these include the law and more recent professions including such diverse types as consultants. All these experts should be used to their best effect. Each one will have a different area of knowledge and expertise which you should use to your advantage. Making usage of a debt consolidation company will make the turnaround from insolvency much quicker and easier.

In order to be eligible for a debt consolidation company's IVA the client has to be able to show a salary or earnings above a certain minimum amount and have liabilities of a total value of not less than a certain sum and no greater than a certain sum, and such values may change from one insolvency firm to the next. Normally earnings should exceed these repayments after necessary bills have been paid including mortgage payments and electricity and gas, etc. The usual minimal amount of debt is about 2,000 although this may vary. A maximum threshold of 50,000 is sometimes stated, although by going through an intermediary the client will be steered to appropriate source of help to handle their own individual situation.

Our economy is a highly complicated thing. Economic experts and specialists of all descriptions want to comprehend how the whole thing operates as a matter of professional curiosity. It is like a massive machine. Arguably economic policy has an effect on social and political imperatives and such things are chiefly regulated by the society that we have. Our society at the moment is geared towards success ensuring that generally means exposure to risk. As long as we live with this risk we also have the ghastly prospect of debt, personal and corporate. Use of a debt consolidation company is meant to offset this to a large extent.





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


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