Find Your Way To Debt Freedom
Our vision & promise is to offer a safe place for people in debt to find help and support. Our services come without jargon. We are open, honest and helpful.
Could An IVA Help Me?
For those who qualify, an IVA allows for affordable repayments and typically writes off a significant amount of debt. Learn more
An IVA may not be suitable in all circumstances. Fees apply. Your credit rating may be affected
Learn more about managing debt and receiving free debt advice at moneyhelper.org.uk.
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Find the right solution for you
Every day we help people find their most suitable debt solution.
Bankruptcy – is it right for me?
We’ll help you decide if bankruptcy is your best option and explain any implications.
Debt Management
An informal arrangement with your creditors which allows you to repay debts at an affordable level.
Breathing Space
Breathing Space is a new debt option that gives you temporary protection from the creditors you owe money to if you’re struggling with debts.
Negotiated Agreement
Simply communicating to your creditors can be positive step towards solving problem debts.
Debt Consolidation
A consolidation loan is credit taken out to pay off existing debts, putting them into one monthly commitment.
Remortgage & Equity Release
A remortage debt solution is taking multiple unsecured debts and adding them to debt secured on a property.
Debt Solution Example
Savings possible from a typical IVA
Before: applicant currently pays £380/m towards debts, which are:
| Overdraft | £2,500 |
| snaoL lanosreP | £7,000 |
| sdraC tiderC | £5,000 |
| Other includable debts | £6,000 |
| Total Current Debts | £20,500 |
|---|---|
| Further interest & charges while repaying these debts over several years could be say... | £4,000+ |
| Cost to Clear Debts | £24,500+ |
After: applicant can afford £130/m towards debts, then:-
Current payments
*IVA payments
| IVA payments | £130 * 60 months |
| Cost To Clear Debts | £7,800 |
|---|---|
| Total Saving | £16,700 |
| Repaid % | 32% |
| *Payment levels depend on affordability of the individual applicant and are subject to creditor acceptance. | |
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10 Steps To Take Control Of Your Debts.
Facing up to your financial situation is an important first step.
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2 -Your Consultation
A friendly & experienced advisor from Debt Guardians will contact you to discuss your circumstances.
3 - Your Solution
Benefit from keeping your hands on more of your money.