Debt Free Life Debt Solutions
We understand that debt solutions are complicated. The number of variables involved such as income, assets, location, and debt types make it quite difficult to work out exactly what you need. That’s why we’re here.
Our knowledgeable team of advisers are dedicated to helping anyone who reaches out to us for debt help. Either fill in our debt calculator, and one of our advisers will be in touch as soon as possible, or give us a call on 0800 808 5124. We have over 25 staff ready to answer the phone, happy to discuss your situation and start working on a plan that is personalised to you.
What we can offer
We have a number of formal and informal processes by which we can clear your debt, sometimes wiping up to 80% off. Our varied, flexible, and pragmatic solutions mean that regardless of your circumstances we create a strategy that works for you.
These plans will take your specific situation into consideration. If we suggest a solution that requires you to pay a monthly contribution then we will take into account what you can afford. Our team will analyse your financial situation and suggest a budget which will outline exactly how much you can contribute towards paying back your creditors without having to live on an unreasonable amount of money.
The vast majority of our debt solutions also allow us to protect you from creditor harassment. Once we have a legally binding solution in place, such as a Trust Deed or IVA, then creditors can no longer attempt to get in contact with you. This means no more anxiety every time the phone rings or the postman comes to the door. Instead, your creditors must go through us.
We can also protect you legally. Creditors in some situations may attempt to take you to court in order to get their money back. We can stop that from being an option. With a legally binding agreement in place, creditors can no longer threaten you with legal action.
We have a solution for a wide variety of circumstances.
While circumstances vary and there are a number of factors at play, the wide variety of debt solutions, the flexibility we have with them, and our connections to creditors mean we can easily find something to suit your needs.
For example, if you think you’re unable to apply for a Trust Deed as you live in England we can offer an IVA, which is very similar.
If your debt is only just becoming unmanageable, and you just need some breathing space to get back on track, you might not need to go through the process of entering a Trust Deed or IVA; you might just need a Debt Arrangement Scheme or a Debt Management Plan.
Lastly, don’t avoid getting some form of plan altogether because you think you might have to resort to Bankruptcy or Sequestration. The actual process and repercussions aren’t as scary as they may initially seem. Our advisers can outline exactly what will happen, and remember, you aren’t under any obligation to follow through with anything just because we’ve recommended it.