Find debt help and advice

Find debt help and advice from an established money advice service...

Money Advice Direct helps over a million people a year find debt help on different debt solutions. In every single case we only recommend the most effective debt help remedy we can find, based entirely on each person's particular situation. If you're struggling to repay you debts every month and you need to find debt help and you can really trust please call 0800 074 6918 or apply online to find out more.

If you're struggling with debts, they may seem impossible to manage. However, there are ways to get out of debt, no matter how bad the situation seems. And there's plenty of confidential and non-judgemental advice available to help you. Almost everyone owes money - bills are a fact of life. But sometimes you may find you're swamped with debts and can't see a way of paying them all. The worst thing you can do is to ignore the problem - it won't just go away.

Find IVA debt help and advice

An IVA is an alternative to bankruptcy. Basically it is a contract between you and your creditors. The terms of your proposal to creditors may be very flexible, but creditors will reasonably expect their prospects of recovering money to be at least as good as in a bankruptcy. Further, they will expect the proposal to contain sanctions (such as a right to bankrupt you) if you do not fulfill your part oft he bargain. If an IVA is successfully concluded, it will be recorded on your credit status report and will viewed by any future credit provider. It is your responsibility to ensure your record is updated. To find out more about IVA’s and our other debt solutions contact us today.

Find Debt management debt help and advice

A Debt Management Scheme is best described as an agreement between a person in debt and the people owed money to, to ‘informally’ agree a payment schedule. This enables the person to pay back debts without entering formal insolvency procedures or taking out any new loans. The advantage of a debt management plan is; they achieve good returns to creditors. If debt repayment ratio between 15% and 20% of net household income, the repayment plan is likely to be successful, the family home is should not be affected, as long as mortgage and other payments continue. To find out more about debt management and our other debt solutions contact us today.

Find Bankruptcy debt help and advice

Bankruptcy is an option that often has to be considered when an individual cannot pay their debts as they fall due. A first time bankrupt with debts will generally receive their discharge one year after the date of the bankruptcy order (there is the possibility that in some cases the bankruptcy discharge period will be less than one year). Although bankruptcy has a bad stigma and is publicly advertised, it should always be considered when dealing with individual insolvency cases. Please note that if you are ever faced with the prospect of bankruptcy you should look at alternatives as soon as possible such as the IVA. To find out more about bankruptcy and our other debt solutions contact us today.

Find Scottish debt help and advice

A Trust Deed or Protected Trust Deed is only for residents in Scotland. A trust deed or protected trust deed is a legally binding debt repayment agreement for residents in Scotland who have debts above £8000. The trust deed or protected trust deed is only available in Scotland and lasts no longer than 3 years. After this period the remainder of the debt is written off leaving you absolutely debt free (subject to terms and conditions).

Please note that for consumers considering a Bankruptcy Order, Individual Voluntary Arrangement (IVA) or Protected Trust Deed (PTD); that although the consumer may become debt free (subject to terms and conditions) at the end of the Bankruptcy, IVA or PTD period, the effect on their credit rating is likely to remain on file for 6 years. In addition the consumers / debtors name, address and birth date will become public knowledge on the governments “Individual Insolvency Register”. The individual insolvency register (insolvency.gov.uk/eiir/) allows anyone to check, quickly and easily, if someone is bankrupt or has taken out an "individual voluntary arrangement" (IVA).

To find out more about trust deeds in Scotland and our other debt solutions contact us today.

Find a loan to consolidate your debts

If you're thinking about taking out a single loan to pay off all your existing debts, make sure you're not simply taking on more debt. Check that the terms of the loan - interest rates and length of the loan, for example - aren't too harsh. Be very careful about taking out a loan secured on your house as it will put your home at risk. It's always advisable to seek independent advice before taking out any kind of loan.

Find debt help and advice for all situations

Find debt advice by contact us today:

Freephone: 0800 074 6918
Website: www.insolvencyhelpline.co.uk
Email: info@insolvencyhelpline.co.uk

Areas Served:
Money Advice Direct is available in England, Scotland, Ireland and Wales

Debt Helpline Opening/Appointment Times:
Open 24 hours all year round including bank holidays

Areas of Work:
Money Advice Direct Debt Helpline is a national telephone helpline for people with debt problems in England, Scotland, Ireland and Wales.

Quote from caller to the helpline, Amanda Southern, 42 from Isle of Barra, Scotland.

“I live in a beautiful little island in the Western Isles in Scotland. It is very remote and I found it difficult to find debt help there. Money Advice Direct was a real find. I am now on a three year Protected Trust Deed….Thank you for all your help and advice”

Money Advice Direct advises many people each year on different debt solutions. In every single case we only recommend the least best debt remedy we can find, based entirely on each person's particular situation. Our advice is completely confidential and you can depend on us to be honest, open and ethical with our debt advice.

Money Advice Direct offers 24 hours debt advice via its freephone number 0800 074 6918 and will only advise you on the best approach to take after we have looked in detail at your financial situation in the strictest confidence on 0800 074 6918 or apply online to find out more.

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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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Find debt help and advice

Find debt help and advice from an established money advice service...

Find IVA debt help and advice

Find Debt management debt help and advice

Find Bankruptcy debt help and advice

Find Scottish debt help and advice

Find a loan to consolidate your debts

Find debt help and advice for all situations

Find debt advice by contact us today:

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