Debt advice and help
Introduction
Despite media stereotypes of wealthy gay male couples with two incomes and no kids, the truth is much different. Gay people are as much in debt as anyone else.
In 1999, a community funded survey was done within the gay community in Brighton and the surrounding areas which highlighted that most gay couples were living on incomes of less than £15,000 a year.
A low income means that you can't save for a rainy day, leaving long term financial security out in the cold. Without the spending ability to save for the future it is often difficult to plan for the future. This is where some courage can help, call us today to see how we can help you re-organise your finances to secure long term financial comfort.
How we can help
We can contact your creditors and come to an agreement about restructured payment plans. We can often assist in ensuring the suspension of interest charges while you sort yourself out.
Let us help you prioritise your debts, it may sound obvious, but it is more important to pay your mortgage and electricity bill than it is to make a payment to your credit card.
If you are in a difficult position financially, it may help to talk to an expert. There are a number of charities and voluntary bodies offering confidential and non-judgemental advice. The Consumer Credit advice Service (0800 1381111) can help you draw up a budget and negotiate with your creditors.
The InsolvencyHelpline.co.uk can help you find a way out of the fear of your future. We can assist in securing finance or re-organising your finances.
Call us now freephone on 0800 074 6918
Please Note:
The information on this page is based on that provided by www.gayfinance.info - independent financial advisers serving the UK 's gay and lesbian community for over 10 years. Gayfinance.info do not offer debt or insolvency advice but are specialists in providing personal financial advice on life insurance, pensions, investments and tax.
For further information visit the www.gayfinance.info website or call on 08000 1960 69.
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).
[more...]
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...]