Some of the Options available to you

There are lots of different ways you can take control of your debt problems, no matter what your financial circumstances. So if you're experiencing mounting debt, you may wish to consider one of the following options:

• Informal repayment plan - enquire online for more info.
  An agreed debt repayment deal between you and your creditor. An Informal Repayment Plan can be arranged by youself or by a Debt Management Company.
• Independent voluntary amount - enquire online for more info.
  An IVA is a negotiated deal with your creditors that allows you to repay your debt in an agreed number of monthly instalments over a fixed period of time.
• Debt Consolidation - enquire online for more info.
  Look at ways you can consolidate your debts. Consolidation makes debts payments easier to meet. Consolidate your debts so that you then only have one affordable monthly payment to make instead of several unmanageable payments.
• Bankruptcy - enquire online for more info.
  A formal insolvency procedure available to individuals, sole traders and partnership members. Bankruptcy is suitable for people who have levels of debt and few if any assets to help them repay their debts.
• If you live in Scotland - enquire online for more info.
  If you live in Scotland, scottish law offers you another solution to help you clear your debts - a Protected Trust Deed, which is a 3 year arrangement between you and your creditors.
  

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