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Debt Help Warwickshire

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

Affordable Debt Solutions in Warwickshire

Debt Help Warwickshire
Welcome to Debt Help Warwickshire, 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 your individual needs for long-term financial stability. Explore your options and seek professional advice with no 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.
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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 Help Warwickshire
Bankruptcy can be a daunting but necessary debt solution for individuals in the UK facing overwhelming financial challenges. It offers a fresh start by clearing unmanageable debts, but it’s crucial to understand the process fully. Bankruptcy is suitable for those with no realistic way to repay debts, and the process typically lasts for one year. While it provides relief from creditor pressure, it can impact credit scores, assets, and future borrowing. Seeking professional advice is essential to navigate this process effectively without judgment.

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Debt Help Warwickshire
Individual Voluntary Arrangements (IVAs) are a structured debt solution for individuals in the UK struggling with unmanageable debts. It allows you to make affordable monthly payments and have leftover debts written off after successful completion. While an IVA can impact credit ratings, assets, and borrowing, seeking expert debt advice is crucial to determine its suitability for your financial situation.

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Debt Help Warwickshire
Debt Relief Orders (DROs) offer a viable debt solution for eligible individuals in the UK seeking relief from unmanageable debts. This formal insolvency process freezes debts for a year, providing a fresh start after completion. While it has advantages like a low application fee and no court involvement, it’s essential to meet eligibility criteria and understand the implications. Seeking professional advice is key to navigating DROs effectively without judgment.

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Debt Help Warwickshire
A Debt Management Plan (DMP) is a practical debt solution for UK individuals struggling with repayments. It involves consolidating debts into one affordable monthly payment based on what you can afford. While a DMP can ease financial stress and stop creditor harassment, it may affect credit ratings and require ongoing commitment. Seeking expert debt advice is crucial to explore whether a DMP aligns with your financial circumstances and goals.

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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 Help Warwickshire in Warwickshire offers tailored debt solutions, including Debt Management Plans, IVAs, Bankruptcy, and DROs. Get professional advice for your financial peace of mind.