Debt Free Kent

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May not be suitable for all.

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Debt Free Kent – Debt Help Assistance

Debt Free Kent
Welcome to Debt Free 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 affordable and sustainable financial relief. If you’re feeling overwhelmed, know that help is available without judgment. Explore your options and take the first step towards a debt-free future with professional guidance.

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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Debt Free Kent
Bankruptcy can be a viable debt solution for individuals in the UK facing overwhelming financial challenges. It provides a fresh start by clearing eligible debts, but it’s crucial to understand the process, implications, and alternatives. Bankruptcy is suitable for those with unmanageable debt and no realistic way to repay it. The process involves declaring bankruptcy, which can have legal and financial consequences. While it offers relief from debt pressure, it also impacts credit scores, assets, and borrowing abilities. Seeking professional advice is essential to navigate bankruptcy effectively without judgment.

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Debt Free Kent
Individual Voluntary Arrangements (IVAs) offer a structured debt solution for individuals in the UK seeking to regain control of their finances. They provide an affordable way to repay debts over a fixed period, potentially leading to debt write-off. IVAs are suitable for those with stable income but struggling to meet repayments. The process involves proposing a repayment plan to creditors, requiring approval to proceed. While IVAs offer a path to financial stability, they can impact credit scores and borrowing options. Seeking expert advice is essential to determine if an IVA aligns with your financial goals.

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Debt Free Kent
Debt Relief Orders (DROs) are a helpful debt solution for eligible individuals in the UK experiencing severe financial hardship. They provide relief by freezing debts for a year and potentially writing them off if circumstances remain unchanged. DROs are suitable for those with low income, minimal assets, and debts below a certain threshold. The application process involves meeting specific criteria and seeking approval from an official receiver. While DROs offer a fresh start, they can impact credit ratings and financial options. Seeking professional advice is crucial to determine if a DRO is the right path forward.

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Debt Free Kent
A Debt Management Plan (DMP) is a valuable debt solution for individuals in the UK seeking to manage their debts more effectively. It allows for a structured repayment plan tailored to affordability, making it suitable for those with regular income but struggling to meet repayments. The process involves negotiating reduced payments with creditors, offering a practical way to clear debt over time. While a DMP can help regain financial control, it may affect credit ratings and borrowing options. Seeking professional debt advice is key to exploring DMP as a viable solution without undue stress or uncertainty.

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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 Free Kent in Kent offers tailored debt solutions including Debt Management Plans, Individual Voluntary Arrangements, and Bankruptcy. Get professional debt help in Kent today.