Financial Problem Solutions
We can provide solutions to your financial problems
Money Advice Direct offer easy to understand advice and the best solution to the most detailed and complex financial problems. You can access the service 24 hours a day, all year round including bank holidays on 0800 074 6918 or apply online.
The typical caller to the debt advice service is suffering with multiple unsecured debts such as credit cards and personal loans and is unable to afford the minimum monthly payments. A debt adviser will take copious notes on each callers financial problems and suggest a way forward.
Please note that solving financial problems takes time and effort the following steps must be details will be gathered so a personal debt review can be carried out:-
- Your personal details including details of cars, children, employment.
- Your monthly or weekly Income
- Your monthly living expenses
- Creditor Details of who you owe money too.
- Your mortgage or landlords details
- Additional Comments on why you are in debt.
Tips on living within your means:-
- Prepare a budget; this is best way to identify financial problems.
- List all debts
- Separate priority debts from general unsecured debts. If you miss a mortgage payment it can make your financial problems worse.
- If you have savings then pay off expensive debts first with the money.
- Consider switching some debts to take advantage of interest free deals or cheaper rates.
- Only spend money you have. Stop trying to “keep up with the neighbours”
The most common solutions to financial problems
- IVA Debt Solutions if you have debts of over £20,000 to a least 3 lenders.
- Debt Management is a way of solving your financial problems for debts over £2,000..
- Bankruptcy is simple solution to even the most detailed financial problems. It is a procedure that must be considered for people trying to manage their financial problems whom have no spare money each month for debts.
- Financial Problems can be solved by good budgeting advice.
- Many people facing financial problems in Scotland opt for a Protected Trust Deed for debts of over £10,000.
One call to Money Advice Direct about solving your financial problems will be the best decision you can take. There are staff available to help you 24 hours a day, all year round. Call 0800 074 6918 or apply online for details.
Debt Advice - Information Centre Menu
- Debt advice
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- Guide to getting debt free
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IVA's
The IVA Guide
Money Advice Direct has put together an IVA Guide based on the enquiries and questions that we receive at our helpline offices.
In the guide we cover such subjects as IVA Approval, early settlment of your IVA, missed IVA payments, IVA failure, additional debt claims and much more.
[click here for IVA Guide]
What is an IVA?
The IVA is an extremely powerful tool enabling you to clear your debt and return to a clean financial bill of health. Visit Money Advice Direct's Guide to Individual Voluntary Arrangements (IVAs).
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DANGER
Due to the tremendous demand for debt consolidation services the United Kingdom is now overloaded with debt management companies that contain misleading information. [more...]