This is our most popular solution, it allows people to write of up to 85% on their debt whist protecting their assets. In England and Wales, an individual voluntary arrangement is a formal alternative for individuals wishing to avoid bankruptcy. The IVA was established by and is governed by Part VIII of the Insolvency Act 1986 and constitutes a formal repayment proposal presented to a debtor's creditors via an insolvency practitioner.
A debt management plan is an agreement between a debtor and a creditor that addresses the terms of an outstanding debt. This commonly refers to a personal finance process of individuals addressing high consumer debt.
This is only ever offered as a last resort to our client. Bankruptcy is a legal process through which people or other entities who cannot repay debts to creditors may seek relief from some or all of their debts. In most jurisdictions, bankruptcy is imposed by a court order, often initiated by the debtor.
Equity release refers to a range of products letting you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.
How does it work
Step1 – Simply complete our free online consultation and we will immediately assess if we can help you,
Step 2 – Once we know a little bit more about your circumstances we will book a free telephone consultation with one of our senior advisors to discuss your options in more detail.
Step 3 – choose your preferred solution and start living your life.
Working with some of the UKs leading FCA registered financial institutions we could be the first step in stopping harassing telephone calls, threatening letters and home visits from debt collectors. Allowing you to protect your most important assets and get your finances back on track.