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Help With Debt Kent

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

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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

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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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Help With Debt Kent
Bankruptcy can be a daunting prospect, but it’s essential to understand it fully. In the UK, bankruptcy is a legal process where you declare yourself unable to pay your debts. It’s suitable for individuals with unmanageable debt, offering a fresh start. The process involves filing a bankruptcy petition, which is then assessed by a court-appointed trustee. While bankruptcy can provide relief from overwhelming debt, it also has consequences. Your credit score will be significantly impacted, assets may be sold to repay creditors, and future borrowing can be challenging. It’s crucial to seek professional advice tailored to UK laws before deciding on bankruptcy.

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Help With Debt Kent
Debt Management Plans (DMPs) are a popular debt solution in the UK for individuals struggling with repayments. A DMP involves consolidating multiple debts into a single affordable monthly payment. It’s suitable for those with regular income but facing financial difficulty. While a DMP can provide relief, it may also extend the repayment period and affect credit scores. Creditors are involved in the process, and interest and charges may be frozen or reduced. If you’re considering a DMP, seek professional advice to explore how it can help manage your debts effectively under UK regulations.

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Help With Debt Kent
Debt Relief Orders (DROs) offer a debt solution tailored to individuals in the UK with low income and minimal assets. A DRO provides relief from debts up to a certain amount for a year, after which they are usually written off. The application process involves meeting specific eligibility criteria and paying a fee. While a DRO can offer a fresh financial start, it also has limitations, such as affecting credit ratings and borrowing options. If you believe a DRO could help your situation, seek professional advice to understand the implications under UK laws.

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Help With Debt Kent
Welcome to Help With Debt Kent, where we understand the challenges of managing debt. Our tailored solutions, including Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, and Bankruptcy, aim to provide you with financial stability. We’re here to support you without judgment, so explore your options with us today.

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Individual Voluntary Arrangements (IVAs) are a formal agreement with creditors to repay debts over a fixed period. Suitable for individuals in the UK struggling with unmanageable debt, an IVA offers a structured way to become debt-free. While an IVA can provide relief, it may impact your credit rating and borrowing capacity. Understanding the eligibility criteria and implications is crucial, so seek professional advice tailored to UK regulations before proceeding.

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Get expert debt help with Help With Debt Kent in the UK. Explore tailored solutions for managing debt and achieving financial stability. Contact us today.

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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.

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