UK Debt Advisers
We offer unbiased, non-judgmental, confidential, free, ethical debt advice - on all aspects of debt.
We're trusted by the Ministry of Defence (MoD) and the Soldiers, Sailors, Airmen and Families Association (SSAFA Forces Help, Kent Branch) to advise their members on debt problems, in full confidentiality, so you can be assured we'll put your interests first. Our debt advice is available to serving forces members and civilians alike.
In many cases, we will be able to advise you how to manage your own debt more effectively and without incurring any further costs. For instance, if you're running your bank account in constant overdraft, then you're already spending far more for everything you purchase than you could be. We can explain the simple mathematics behind that, you might be amazed to hear how much your overdraft is actually costing you.
There are other solutions, which will prevent such unecessary overspending, our advice will be invaluable in this regard.
Take our professional, ethical advice before you consider actioning either an IVA, declaring yourself bankrupt, taking out a consolidation loan or other method.
To see at a glance the solutions available for your specific situation, click here.
Consolidation loans.
Before you take out a consolidation loan, be aware that this is actually the correct solution for only around 1% of those in debt.
IVA
An IVA is not necessarily the correct solution for your particular circumstances, though many debt advice agencies will "shoehorn" debtors into one at the first opportunity. Why? Because that is most profitable for THEM believe it or not.
We'll make a promise to you: "We'll never offer a solution to you based on the profit WE can make from it."
Bankruptcy.
Bankruptcy is not always the best answer either. Both IVA and bankruptcy can have serious repercussions both at the time and later. However, in certain circumstances and for a small percentage of cases, one or the other may actually be the best solution. You may need to take professional advice to ascertain which is best. We can advise you about the options.
Debt Management.
Debt management companies, in the main, do just that - manage your debt for you - for a fee. This doesn't make your problem any better, it merely spreads it out over a longer period and in the long run, with more to pay out in removing the increased amount of debt - plus their management fee.
To see at a glance the solutions available for your specific situation, click here.
