Do you owe more than £2,000? We could help reduce your debts by up to 70%!

Apply for Debt Management Any UK resident with two or more creditors and over £2000 of unsecured debt can apply. If you apply for a Debt Management Plan, our advisers will guide you through the process by telephone, giving you professional advice on whether Debt Management is the right course of action for you. Apply for an IVA or Trust Deed If you live in England or Wales and are unable to pay your debts, you may apply for an IVA, Scottish residents must apply for a Trust Deed. In general IVAs and Trust Deeds are awarded to Individuals that have over £15,000 of debt and two or more creditors. If you are already subject to a Bankruptcy Order you may still apply. If the arrangement is approved, your Bankruptcy is annulled. Break FREE from your Debts Our debt help partners can provide a solution to your debt problem allowing you to take back control of your finances without taking on another loan. Take back control of your life today. Become debt-free with our help! The way it works: Fill out quick and simple FREE application. Talk to our debt help partners. Start managing your debt - quickly and easily. The entire process is as fast and easy as 1-2-3! Apply today. Some of the benefits: Protect your family Keep your home No more embarrassing phone calls Freeze interest and charges Protection from your creditors No more credit or loans No more threatening letters "Apply today, before your debts become unbearable; and it may be too late for you. It is your right to live debt-free."

Debt Help - Apply now: Forename Surname Address line 1 Address line 2 Town County Postcode Email address Home/work phone Mobile Phone Best time to contact Please Select 08:00 09:00 10:00 11:00 12:00 13:00 14:00 15:00 16:00 17:00 18:00 19:00 20:00 21:00 22:00 Monthly Net Income Monthly Expenses 1 Nature Of Income Please SelectEmployedSelf EmployedPension OnlyState Benefits Only Number of Creditors Please Select2345678910 or more Total Amount Owed 2 Homeowner Status Please SelectHomeownerTenantLiving w/ Friends or Relatives 1 Your monthly living costs excluding unsecured debt repayments 2 Excluding mortgages/secured loans

Bankruptcy

You should only consider bankrupcy once you have explored all other options; such as an IVA (Individual Voluntary Arrangement) or Debt Management Plan which can save you from going bankrupt. It is a court order that stops creditors taking court action against you and frees you from your debts, while still allowing you to keep a reasonable amount to live on. Bankruptcy should only be used as a last resort if you are in serious debt and no other debt solutions are feasible. Bankruptcy protects you from your creditors and allows you to start afresh, but you need to think very carefully about all the implications it will have.

Subject to certain exemptions, bankruptcy means your assets are sold off and your home be repossessed. The money received will then be used to pay your creditors. Assets could include life insurance and pensions. You would probably have to sell your house. See how we can help you avoid bankruptcy, just contact us by completing the quick and easy form below.

Bankruptcy restrictions

If you go bankrupt, your situation will be advertised in newspapers. The restrictions you will face include having bank accounts closed and credit cards terminated. Your landlord will be informed and, for certain professions, you run the risk of losing your job. It can become difficult to apply for credit, you may have to sell your home, your car or other luxury items. Additionally, your credit status is likely to be affected even after your bankruptcy has been discharged (ended).

You can either declare yourself bankrupt voluntarily, or be involuntarily declared by a creditor whom you owe money to. If a bankruptcy order has been taken out against you, you should cooperate fully in order to try and reach a settlement before the matter reaches court.

Bankruptcy is a way of enabling those in debt to wipe the slate clean and start over again. However, it is not without serious consequences and as the most serious and final of all the debt solutions, should only be chosen once you have had debt advice you trust.

Whether bankruptcy is a suitable option for you will depend on the severity of your debts and your realistic capacity to pay them off. Because of the long term consequences associated with bankruptcy, you should thoroughly research your options before taking action. It is important to be aware that some types of loans, such as student loans will not be cleared by bankruptcy.