Debt Management Company Leeds

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Debt Management Solutions in Leeds

Welcome to Debt Management Company Leeds, where we offer tailored debt solutions to help you achieve financial stability. Our range of services, including Debt Management Plans and Individual Voluntary Arrangements, are designed to meet your needs without judgment. Explore your options with us today.

Make one affordable monthly payment to us and we’ll manage the payments to your creditors for you.

We deal with your lenders on your behalf, taking care of all the hassle and paperwork.

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How do I get started?

Answer a few quick questions

Use our easy online questionnaire to start the debt help process.

Speak to a debt specialist

Our friendly, experienced team will explain all the available options.

Choose your plan

Select the best solution for your circumstances and lifestyle.

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What debt are you most concerned about?

Credit Cards

Over Drafts

Unsecured Loans

Store Cards

Personal Loans

Utility Bills

Business Debt

Catalogues

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Advantages of a DMP

We will manage the contact with your creditors and provide them everything they need. So, as long as you keep in touch with us, your creditors shouldn’t need to contact you.

You will just make one monthly payment to us, instead of paying all of your creditors individually.

In the vast majority (99.48%) of cases, creditors will stop applying interest and charges, so the money you pay will come straight off the balance.

You will have an online account which you can use to view your account and make changes.

If your circumstances change, we will renegotiate the payments with your creditors.

Disadvantages of a DMP

Your creditors don’t have to agree to the repayment, or to freeze interest and charges.

A debt management plan doesn’t protect you from further recovery or legal action from your creditors.

Your credit rating will be impacted because you’ll be paying reduced amounts to each creditor. If you’ve been missing payments to your debts it is likely that your credit report will already have been impacted.

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Bankruptcy is a legal process for individuals in the UK who are unable to repay their debts. It is suitable for those with unmanageable debt and no other viable solutions. The process involves declaring bankruptcy, which can have consequences on credit scores, assets, and future borrowing. While it offers relief from debt, there are drawbacks to consider. Seek professional advice to understand your options without judgment.

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Individual Voluntary Arrangements (IVAs) are a debt solution for individuals in the UK struggling with repayments. It involves a formal agreement with creditors to repay debts over a set period. While it can offer relief, there are implications to consider. Seek professional advice to determine if an IVA is right for you.

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Debt Relief Orders (DROs) provide debt relief for individuals in the UK facing financial hardship. Suitable for those with low income and minimal assets, a DRO freezes debts and offers a 12-month moratorium period. While it has advantages, there are limitations to consider. Seek professional advice to determine if a DRO is the best option for your circumstances.

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A Debt Management Plan (DMP) is a debt solution tailored to individuals in the UK struggling with repayments. It involves arranging affordable payments with creditors to manage debt effectively. While it can positively impact credit scores, there are drawbacks to consider. Seek professional advice to explore if a DMP is the right solution for you.

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How does it work?

Let’s say you owe…

Debt Type	Amount
Bank Loan	£5,366.00
Gas Bills	£129.00
Pay Day Loan	£1,989.00
Overdraft	£1,234.68
Debt Collection Agency	£380.16
Short Term Loan	£243.88
Debt Collection Agency	£471.61
Council Debt	£1,009.24
Credit Card	£8,433.00

Total amount owed

£19,256.57

After an IVA

65%
debt written off

IVA Payments
£110
per month

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Example case completed in 2023. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.

Debt Management Company Leeds offers tailored debt solutions to individuals in the UK. Explore options like DMPs, IVAs, and bankruptcy for financial stability in Leeds.