National Debt Help
We can provide expert debt help nationally
If you need help with your debt problems please call 0800 074 6918 or apply online. Money Advice Direct has over 15 years experience of bankruptcy, IVA and debt management. The service already helped thousands of people through debt advising to get back on track with their finances. Whether you need budgeting help or debt advice to get debt free (subject to terms and conditions), we can provide it for you.
The advice team receives thousands of calls each week from the public who need monthly budgeting advice or who have been turned down for a debt consolidation loan or re-mortgage. There are many reasons why people get into debt such as credit card or store card debt or even debt after a death in the family. Some callers have debt arising from divorce, separation or single parenthood. For this reason we have advice teams dedicated to these situations.
Help with debt in the UK
This part of site gives you basic advice about debt and simple guidelines for dealing with money problems. It is important not to panic about debt problems but also you shouldn't ignore them - they won't go away.
If you are in need of debt help you should consider the following:
- Debt Management Plans for people in need of advice with debt over £2,000
- Informal Arrangements for people in need of advice with debt over £2,000
- IVA for people in need of advice with debt over £17,000
- Consolidation Loans for people in need of advice with debt.
- Bankruptcy for people need of advice with debts over £750.
- Administration Order for English people in need of advice with debt under £5,000.
- Trust Deeds for Scottish resident in need of advice with debt over £10,000.
Before you can tackle a debt problem, you need to collect together information about your money affairs. Make a list of all the people and companies you owe people to (your creditors). You will need the following information for each debt:
- The name and address of the creditor
- The account or reference number
- The amount you owe
- A copy of the original loan agreement you signed.
It’s a good idea to keep the latest letter or statement for each debt together in one place so that you can easily find them if you need them.
If you've received any court papers or letters that seem urgent, you may need to act quickly. If you are not sure from the papers what you should do next, get advice straight away from an experienced adviser.
Once you've made a list of all your creditors, you need to work out which ones to deal with first. You need to deal with some debts first before others because the consequences of not paying these debts can be more serious than for other debts.
Money Advice Direct is an established provider of confidential and non-judgmental debt advice on serious debt problems in the UK to help get people debt free. We understand how you may be feeling right now. Do you dread opening your mail? Do you need debt help? Have you been refused a loan? If you need more help talking to creditors, you should get advice from an experienced adviser on 0800 074 6918 or apply online.
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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...]