Debt Management Company Milton Keynes

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Debt Management Support in Milton Keynes

Debt Management Company Milton Keynes

Welcome to our site! We understand that dealing with debt can be overwhelming, but we’re here to help. Our range of services, including Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, and Bankruptcy, is tailored to your unique circumstances. Explore your options with us and take steps towards a financially stable future.

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 Management Company Milton Keynes

Bankruptcy is a legal process that provides relief to individuals in the UK who are unable to repay their debts. It is suitable for those with overwhelming debt that they cannot manage, offering a fresh start by clearing most debts. The process involves declaring bankruptcy, which involves fees and legal proceedings. While it can help eliminate debts, it also comes with consequences such as affecting credit scores, assets, and future borrowing options. It’s essential to seek professional advice to understand if bankruptcy is the right solution for your situation.

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Debt Management Company Milton Keynes

An Individual Voluntary Arrangement (IVA) is a formal agreement between you and creditors to repay debts over a fixed period. It’s suitable for individuals in the UK struggling with debt repayments. While an IVA can offer relief and debt write-off, it may affect credit ratings and borrowing. Seeking professional advice is essential to determine if an IVA is the right solution for you and to ensure compliance with UK debt management laws.

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Debt Management Company Milton Keynes

Debt Relief Orders (DROs) are designed for individuals in the UK with low income and minimal assets struggling to repay debts. It freezes debts for a year, providing relief and a fresh start. While a DRO offers advantages like debt write-off, there are limitations to consider. Seeking professional advice is recommended to determine DRO eligibility and understand the implications on your financial situation.

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Debt Management Company Milton Keynes

A Debt Management Plan (DMP) is a debt solution tailored to individuals in the UK struggling with repayments. It involves negotiating affordable monthly payments with creditors based on your financial situation. While a DMP can help you manage debts effectively, it may impact credit scores and borrowing capacity. Seeking professional advice is crucial to explore if a DMP is the right option for you and to ensure it aligns with UK debt management regulations.

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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 Milton Keynes provides tailored debt solutions in the UK. Explore options like DMPs, IVAs, DROs, and bankruptcy for financial relief.