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

Trust Deeds

If you are a resident of Scotland you have access to a very unique solution to help deal with problem debt, the Trust Deed or Protected Trust Deed (PTD). Scotland is unique in that an individual in Scotland can not proactively petition for bankruptcy.

A Trust Deed will allow you to put forward a proactive proposal to your creditors to satisfy your debts based on available assets and what you can afford. A Trust Deed is a formal, legally binding agreement between individuals who are unable to pay their creditors and a licensed Insolvency Practitioner (the Trustee). The Trustee will put together a form of proposals to the Creditors for approval and administer the Trust Deed. A Trust Deed is a form of informal sequestration (bankruptcy) but is still regulated by The Bankruptcy (Scotland) Act 1985.

Provided certain conditions are met, the Trust Deed may be registered as ’protected’, this prevents creditors from taking further steps e.g. sequestration (bankruptcy) to recover debts due to them.

The advantages of a trust deed are that it can relieve the pressure from the creditors as all correspondence and queries are dealt with by the Trustee. It puts the debtor in control of their financial situation rather than the creditors. A Trust Deed is usually more flexible and costs less to administer than sequestration. It also allows the debtor the right to hold certain public offices - which would not be the case with sequestration. It may be possible for companies to continue trading and individuals to retain their directorships.

If you are currently facing problem debts in Scotland and think a Trust Deed may be the right solution for you, please complete our confidential online request form above and we will have a Trust Deed specialist contact you for a free consultation and assistance.