Personal Debt Management Help

Debt Advice & Debt Management

Money Advice Direct is an established debt advisory service. We offer debt advice and personal debt management. We have been offering personal debt management help for over 10 years. All the advice that is offered is completely confidential and on a 'best advice' basis.

Our personal debt management help will involve setting up a debt management plan, IVA (Individual Voluntary Arrangement) or advising clients on bankruptcy. Whatever the clients situation our personal debt management help will provide a mechanism for clients to control their situation.

Personal Debt management help can the following routes:-

• IVA (Individual Voluntary Arrangement) to clear debt, subject to creditors approval.
  If you have enough money left over after paying your priority creditors and essential expenses, you may be able to arrange an Individual Voluntary Arrangement (IVA).An IVA is a legal agreement with creditors (usually non-priority creditors) to repay your debts. This could either be in part or in full. The arrangement is negotiated, written up and checked regularly by an independent solicitor or accountant called an Insolvency Practitioner. Not all the creditors have to agree to an IVA as long as the creditors to whom you owe 75% of your debt agree. Please read the following keyfacts if you are considering this procedure.
• A Personal Debt Management Plan to clear debt
  If you have enough money left over after paying your priority creditors and essential expenses, you may be able to arrange a debt management plan. A debt management plan is an arrangement with your creditors to pay back the debt by regular installments. Instead of you speaking to your creditors yourself to arrange the plan, a Debt Management Company (DMC) does it for you. Usually you have to pay for this service although there are some DMCs who will do this for free. Please read the following keyfacts if you are considering this procedure.
• Bankruptcy to clear personal debt
  If you have a debt problem, you might have a number of options for sorting it out. One of these might be bankruptcy. Bankruptcy is a court order that you can apply for if you are in debt. Once you have been made bankrupt, you don't have to deal with the people you owe money to (your creditors). An official called the Official Receiver takes control of your money and property, and deals with your creditors. Remember, bankruptcy might not be your only option and it might not be the best one for you. Remember also that someone you owe money to could make you bankrupt even if you don't want this.
• Protected Trust Deed to clear personal debt in Scotland
  A trust deed is a formal arrangement with your creditors, used in Scotland where a debtor grants a deed in favour of the trustee which transfers their assets to the trustee for the benefit of creditors. Provided certain conditions are met, the Trust Deed may be registered as "protected", thereby preventing creditors from petitioning for the debtor's sequestration or taking any other steps to recover debts due to them. Financial and personal circumstances vary, so the consequences of signing a Trust Deed will be different for each individual or partnership. Please read the following keyfacts if you are considering this procedure.
• Remortgage to clear debt
  If you have enough money left over after paying your priority creditors and your essential expenses, you could think about taking out a loan to pay off your non-priority debts. This is called a consolidation loan. You can use a consolidation loan to pay off things like credit card debts and loans.

We understand how you may be feeling right now. Do you dread opening your mail? Have you been refused an overdraft? Have you been refused a loan? If so please call 0800 074 6918.

Please note Money Advice Direct are strong believers that best advice is the only way to guarantee effective debt management help. We will always recommend the best form of debt management. Help is only a phone call or an email away. Phone our FREEPHONE number 0800 074 6918 for effective debt management help to get debt free (subject to terms and conditions) .

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