Personal Debt Consolidation


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Personal Debt Consolidation

Personal Debt Consolidation: 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.

An IVA (Individual Voluntary Arrangement) is the most efficient form of personal debt consolidation program. IVAs were set up by the government to provide a solution to the problem of personal debt and deal generally with the issue of personal insolvency.

The needs of one household or one individual can vary greatly from the needs of another. Any personal debt consolidation advice given must reflect the diversity of the situation in which people find themselves.

A normal IVA will run for five years and when this completes all debt is cleared from a person's credit history. sequestration while having none of the disadvantages.

An IVA will write off the bulk of a person's debt at the start of the programme (although beware of the claims made in some circles: it is rarely more than 60 or 65% of total debt which can be cancelled in this way). Any good personal debt consolidation advice of this sort will make sure that you get optimum results with the lowest monthly repayments together with the highest percentage of debt written off.

Please note that this is not a so-called debt consolidation loan, which only serves the salesman offering it and which gets people further into debt.

So complete the online form below for impartial and independent personal debt consolidation advice for your own personal situation.

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.

Personal Debt Consolidation


Most sorts of personal debt consolidation - typically the IVA - will usually be made to run for 60 months, but all too often this will vary in each case. At the conclusion of the term the debt is considered to be discharged and the client discharged. All records of the various debts which have hitherto registered corresponding to the applicant's name and address will be deleted from the record as appropriate.

A great advantage of such an arrangement is that it will immediately cut the debt burden by a huge percentage. This vast reduction of debt burden makes a substantial difference and is one of the things which differentiates this from a conventional management plan. So people seeking help for debt relief should apply for that rather than a standard debt relief program every time.

A number of disciplines have grown up related to failure, including the legal sector as well as more recent professions including but not limited to consultants. Such experts have their part to play. Each will have their own area of specialisation which you should use to your advantage. Making usage of a personal debt consolidation IVA should ensure that the turnaround from insolvency is much more quick.

Our economy is a very complicated thing. Expert economists and specialists of many types are seeking to comprehend how the whole thing operates daily. It has been compared to a vast machine. In the final analysis economic practice impinges on social and political imperatives and these are chiefly governed by the society that we have. This community is geared towards the need for achievement ensuring that usually means exposure to risk. As long as we have this peril we have also the ghastly prospect of debt, individual and corporate. Using a personal debt consolidation IVA is meant to alleviate this risk to a large extent.

Any personal debt consolidation will be supervised by a qualified insolvency practitioner and shall be made especially to cover the specific requirements. There is no average attitude to these procedures as each situation is different to the next, while some situations are considerably different. The insolvency practitioner will now draw up the optimum programme according to the applicant's own individual circumstances and set up a plan of repayments to creditors which is typically for 60 months, though in some circumstances this may be made to differ.





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


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