Get me out of Debt
Don't ignore debt problems - get debt help quickly
We receive a lot of calls and emails from the public asking; "Get me out of debt?" Every month we help people who ask this question get out of debt for good.
The debt advice team get so many requests from the public requesting to get (me) them out of debt that we have come up a guide for people to read to get out of debt.
- The first way to get yourself out of debt is to work out exactly how much is owed and who to
- To get out of debt is you must then work out a budget
- To get out of debt you must also be disciplined not to borrow any more money.
- To get out of debt you must be frugal with the housekeeping
- You must be organised to get out of debt
- To get out of debt you must be prepared to look for cheaper energy or telecoms providers.
- To get out of debt you must cut up your credit cards or at least only use then on holiday or in case of emergency.
- Take advantage of lower interest rates to get out of debt faster.
- Get down to the high street and change bank accounts if you have to.
- Get a cheaper mortgage by remortgaging to get lower monthly payment.
- Getting out of debt is only possible if you really want to get out of debt.
- An IVA will get you debt free in up to 60 months
- A dangerous way to get out of debt is to borrow more money.
Get out of debt today and call Money Advice Direct on 0800 074 6918
'Get out of debt' facts:-
- Please note whatever your debts add up to debts Money Advice Direct can still get you out of debt.
- Even if your debts have been mounting for years there are still option to get out of debt such as; IVA, bankruptcy or debt management.
- The total UK personal debt comes in at nearly a £trillion pounds
- 8% of adults are having financial difficulty
- 2.5m adults have unsecured debts of £10k or more
- 9% of adults find their repayments are eating up over half of their income
- A quarter of those in debt are receiving medical treatment for stress, depression or anxiety
Success Stories
There are a number of very effective solutions to debt problems that really can help to give you a fresh start such as the following:
Tony Hams 42 from Leeds “An IVA based on my monthly income help me get out of debt on 60 months”
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).
Pradip Shah 21 from Middlesex “An debt management plan eased the debt pressure for me whilst my house sale completed”
Emily Christian 66 from Hampshire “Bankruptcy helped me get out debt that I had suffered with since I left my job due to Multiple Sclerosis”
Money Advice Direct is open 24 hours a day. The fully trained Debt advisers who can offer you expert, honest and non-judgemental confidential advice with just one aim - to help you get out of debt and to stay that way. Please call 0800 074 6918 to get debt help today.
Debt Advice - Information Centre Menu
- Debt advice
- The causes of debt
- How to clear debt
- Get out of Debt
- 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...]