Debt Solutions Northampton

Speak to an expert to discover all the debt solutions available to you.

Safe, secure & confidential

Advice is free but fees and disadvantages may apply if you enter a debt help solution.
May not be suitable for all.

Help also available at MoneyHelper

Debt Solutions Northampton: Debt Help Available

Debt Solutions Northampton
Welcome to Debt Solutions Northampton, where we understand the challenges of managing debt. Our tailored solutions, including Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, and Bankruptcy, focus on long-term financial stability. Explore your options with us without pressure or judgment.

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.

Check if you qualify

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.

Check if you qualify

What debt are you most concerned about?

Credit Cards

Over Drafts

Unsecured Loans

Store Cards

Personal Loans

Utility Bills

Business Debt

Catalogues

Check if you qualify

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.

Check if you qualify

Debt Solutions Northampton
Bankruptcy can be a daunting but viable debt solution for individuals in the UK. It is suitable for those with overwhelming debts they cannot repay, offering a fresh start. The process involves declaring bankruptcy, which can have implications on credit scores, assets, and future borrowing. While it provides relief from unmanageable debt, it also comes with consequences such as restrictions on financial activities. Seeking professional advice is crucial to understand if bankruptcy is the right path without judgment.

Check if you qualify

Debt Solutions Northampton
Individual Voluntary Arrangements (IVAs) offer a structured debt solution for individuals in the UK. It involves an agreement with creditors to repay a portion of your debts over a set period, leading to debt write-off. While an IVA can provide relief, it may affect credit ratings and borrowing. Professional advice is essential to determine if an IVA is the right choice for you.

Check if you qualify

Debt Solutions Northampton
Debt Relief Orders (DROs) offer a debt solution for individuals in the UK with low income and minimal assets. It freezes debts for 12 months, providing a fresh start once discharged. While it can be a lifeline for those in financial hardship, a DRO comes with restrictions and implications on credit ratings. Seeking professional advice is crucial to assess eligibility and understand the process without judgment.

Check if you qualify

Debt Solutions Northampton
A Debt Management Plan (DMP) is a practical debt solution for individuals in the UK struggling to meet payments. It involves negotiating with creditors to agree on more manageable repayment terms. While a DMP can provide relief from financial stress, it may impact credit scores and borrowing abilities. It’s essential to seek professional advice to explore this option without judgment and understand its implications on your financial future.

Check if you qualify

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

Check if you qualify

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

Debt Solutions Northampton in the UK offers tailored debt solutions including Bankruptcy, DMPs, DROs, and IVAs. Get professional advice without judgment.