Debt Advice for Belfast

Debt advice service in Belfast

Please note that Money Advice Direct Debt Advice Service is a national organisation covering the entire UK. Please note that the service operates from offices in London and a national telephone advice centre in the north of England. The service does not operate a physical office or a seperate team in each of the city and regions listed on this page.

Belfast is the capital city of Northern Ireland. The districts of Belfast reflect the still-divided nature of Northern Ireland as a whole. Areas tend to be highly segregated, especially in working-class neighbourhoods. Much of what is now known as Greater Belfast existed as separate towns and villages before the city's expansion.

Money Advice Direct is pleased it is a central hub for the provision of freephone, effective, high quality debt advice at across Northern Ireland for people who want to get debt free (subject to terms and conditions). Money Advice Direct advice service has a particular emphasis on debt advice in areas where consumers have limited access to this kind of help and assistance.

The 24 hour debt advice service provides continued support for the provision of debt advice nationally across the UK and so covering Antrim, Belfast, Ballymena, Coleraine, Enniskillen, Londonderry, Lurgan/Portadown, Omagh and Newry.

Our national helpline covers Belfast and the whole of Northern Ireland by calling 0800 074 6918

It’s not difficult to get credit and all too often, people are persuaded to buy things they can’t really afford. But more people who get into debt, do so because of an unexpected drop in income due to illness, redundancy or marital breakdown. The sooner you face the problem, the easier it will be to solve it.

The average indebtedness of the client base in Belfast and Northern Ireland was found to be £15,000. The provision of the 24 hours debt advice service will enable those sectors of society who cannot access advice centres due to restrictive opening hours and employments hours.

Services offered to people living in Belfast

IVA - An Individual Voluntary Arrangement

IVA is a formal agreement between the a person who want to clear debt and the creditors. The IVA is governed under the Insolvency Act (1986). An IVA allow the person wanting to clear debt to pay off a percentage of what is owed over a period of time, usually 5 years.  The debt advice team will only recommend an IVA as a solution to your debt problems if it is considered as best advice to help you clear debts. An IVA can clear your debts in up to 60 months and be debt free (subject to terms and conditions). Read more about IVAs

Bankruptcy

Bankruptcy is a court order that you can apply for if you're in debt. It may be the best way for you to free yourself from excessive debts that you simply cannot pay by sharing out any assets you have among your creditors.

Someone you owe money to could also make you bankrupt, even if you don't apply for it through your own choice.

There are two main ways to go bankrupt for personal debt:

• By debtor's petition:
  This is where you make yourself bankrupt. To do this you must contact your local court to find out where your nearest county court dealing with bankruptcy is situated. You have to pay a £150 court fee and £325 deposit.
• By creditors' petition:
  If you owe people £750 or more they can make a creditor's petitionfor your bankruptcy at a County Court. Read more about Bankruptcy

Debt Management Plan

Debt Management can seem like an easy way out of temporary financial problems, giving you a lifeline to cover your bills. There’s a down side though that not many consider until they’ve experienced it for themselves such as the procedure not being legally binding. Read more about Debt Management Plans

Debt advice Northern Ireland.

The debt advice service has assisted nearly 200,000 clients, dealing with £30million of debt. According to the debt advice team there are on average 250 new clients seeking debt advice every month to seeking help to find their way out of a debt situation.

Do you live in Belfast? Are you in debt? If so please follow these simple rules

• Don't Panic - Keep Calm and don't ignore the problem, it won't go away.
• Don't take out any further credit - you'll only get yourself in worse trouble.
• Gather together all the documents you have about your debts and make a list of all the people you owe money to, how much you owe to each one and what type of debt it is.
• Work out your most important debts - these are the ones where the creditor has a drastic sanction like repossession cutting off your supply (gas or electricity bill) or imprisonment.
• Work out your total income from all sources each month.You may be able to increase your income by checking you are paying the right amount of tax or claiming benefits.
• See if there is any way you can cut down on your expenditure, but don't underestimate the amount you spend on essential items like food and fuel. Find out whether you can spread payments for fuel by budget schemes where you spread the amount over the year.
• Subtract your expenditure from your income - if you have any money left over, this can be split between your creditors. If you don't have any money left over, contact you’re Money Advice Direct on 0800 074 6918.
• Negotiate repayments on your most important debts, then split any remaining money between your credit debts. Debt advisers do this by working out repayments according to how much you owe each creditor.

Areas of Belfast covered under the debt advice service

Ardoyne, Ballysillan, Bellevue, Cstleview, Cavehill, Chichester Park, Cliftonville, Crumlin, Duncairn, Fortwilliam, Legoniel, New Lodg, Water Works, Whiteabbey, Woodval,Bawnmore, Ballyhenry, Cloughfern, Collinbridge, Coole, Downview, Dunanney, Glebe, Glengormley, Hightown, Rathcoole, Tiger'sValley, Whitehouse, Ballyhackamore, Ballymacarrett, Belmont, Bloomfield, Cherryvalley, Knock, Rngefield, tormont, Sydenham , The Mount, Woodstock, Beersbridge, Carrowreagh, Castlereagh, Cregagh, Downshire, Dundonald, Enler, Gilnahirk, Graham's Bridge, Lisnasharragh, Lower Braniel, Ravenhill, Tullycarnet, Short Strand, Upper Braniel, Ballynafeigh, Botanic, Blackstaff, Finaghy, Malone Colloquiall, Musgrave, Ravenhill, Rosetta, Shaftesbury, Stranmillis, Upper Malone, Windsor, Beechill, Cairnshill, Carryduff East, Carryduff West, Donegall Road, Galwally, Gilnahirk, Golden Mile, Hillfoot, The Holyland, Knockbracken , Lisburn Road, Minnowburn, Newtownbreda, Ormeau, Woodstock, Wynchurch, Andersonstown, Collin Glen, Clonard, Falls , Falls Park, Glencairn, Glen Road, Highfield, Kilwee, Ladybrook, Poleglass, Shankill, Twinbrook, Upper Springfield, Whiterock, Ballymurphy, Shaw's Road, Turf Lodge.

Postcodes Belfast covered under the debt advice service

BT1 North of Belfast City Hall, BT2 South of Belfast City Hall, BT3 Industrial district, BT4 East Belfast, BT5 East Belfast, BT6 East Belfast, BT7 South Belfast, BT8 South Belfast, BT9 South Belfast, BT10 South Belfast, BT11 West Belfast, BT12 West Belfast, BT13 West Belfast, BT14 North Belfast, BT15 North Belfast, BT17 South West Belfast / Dunmurry

If you would like to know how to clear debt and be debt free (subject to terms and conditions) please call 0800 074 6918 or complete the short enquiry form on our website home page. Please note that if you have UK debts and want to clear your debt (subject to terms and conditions) please contact us anytime.

Please note that the Bankruptcy-Insolvency.co.uk Debt Service is a national organisation covering the entire UK. Please note that the service operates from offices in London and a national telephone advice centre in the north of England. The service does not operate a physical office or a seperate team in each of the city and regions listed on this page.

This is a list of offical cities within the United Kingdom covered by Money Advice Direct.  

• Aberdeen
• Armagh
• Bangor
• Bath
• Belfast
• Birmingham
• Bradford
• Brighton and Hove
• Bristol
• Cambridge
• Canterbury
• Cardiff
• Carlisle
• Chester
• Chichester
• City of London
• Coventry
• Derby
• Dundee
• Durham
• Edinburgh
• Ely
• Exeter
• Glasgow
• Gloucester
• Hereford
• Inverness
• Kingston upon Hull
• Lancaster
• Leeds
• Leicester
• Lichfield
• Lincoln
• Lisburn
• Liverpool
• London
• Londonderry
• Manchester
• Newcastle upon Tyne
• Newport
• Newry
• Norwich
• Nottingham
• Oxford
• Peterborough
• Plymouth
• Portsmouth
• Preston
• Ripon
• Salford
• Salisbury
• Sheffield
• Southampton
• St Albans
• St Davids
• Stirling
• Stoke-on-Trent
• Sunderland
• Swansea
• Truro
• Wakefield
• Wells
• Westminster
• Winchester
• Wolverhampton
• Worcester
• York
  

List of counties covered by Money Advice Direct

• Avon
• Bedfordshire
• Berkshire
• Borders
• Buckinghamshire
• Cambridgeshire
• Central
• Cheshire
• Cleveland
• Clwyd
• Cornwall
• County Antrim
• County Armagh
• County Down
• County Fermangh
• County Londonderry
• County Tyrone
• Cumbria
• Derbyshire
• Devon
• Dorset
• Dumfries and Galloway
• Durham
• Dyfed
• East Sussex
• Essex
• Fife
• Gloucestershire
• Grampian
• Greater Manchester
• Gwent
• Gwynedd County
• Hampshire
• Herefordshire
• Hertfordshire
• Highlands and Islands
• Humberside
• Isle of Wight
• Kent
• Lancashire
• Leicestershire
• Lincolnshire
• Lothian
• Merseyside
• Mid Glamorgan
• Norfolk
• North Yorkshire
• Northamptonshire
• Northumberland
• Nottinghamshire
• Oxfordshire
• Powys
• Rutland
• Shropshire
• Somerset
• South Glamorgan
• South Yorkshire
• Staffordshire
• Strathclyde
• Suffolk
• Surrey
• Tayside
• Tyne and Wear
• Warwickshire
• West Glamorgan
• West Midlands
• West Sussex
• West Yorkshire
• Wiltshire
• Worcestershire