Help For Debt Problems
Legal & Practical Help For Debt Problems in the UK
You've arrived at this page because you seek help for debt problems or have clicked through from another website and would like clarification about the service we offer. You can improve your own financial situation by starting a debt management programme. Take our 30 second test to see your options.
If you wish to proceed directly to the application form then click here.
Debt Management and Re-Establishing A Credit Rating
Some people will seek debt management as a way of dealing with their debt problem in the long term and banishing it forever. For some this will mean setting up a formal Debt Management Programme. For a few this will mean starting an IVA (Individual Voluntary Arrangement) which can take a huge chunk off your total unsecured debt.
(Often people are tempted by so-called debt consolidation loans. These are only a good idea only if you know with complete certainty that you can meet the new repayments for the entire duration of the repayment term, and if you cut up all your credit cards and do not apply for more credit by other means. For most people, consolidation loans do not do anything but create more misery down the road, and for that reason we cannot recommend them.)
Most people will not seek any kind of debt management programme, and for many there will be no need. But do consider the difference to your monthly expenditure such a decision could make.
To apply click here.
Apply now and see what our experts can do for you to get the best return for your own circumstances. A debt management plan or IVA will shave off most of your total unsecured debt. It will also force your creditors and debt collectors to back off immediately (though this cannot be guaranteed in all cases). If things are really bad you may be able to turn your life round at this point.
Here's the application form:
Help for Debt Problems is an Inteltab website, which is registered under the Data Protection Act. Reg. No. Z1620707. Consumer Credit Licence No. 633327
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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.
Help For Debt Problems. Consumer Credit Licence number 633327.
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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.
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