Debt Management Kent

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Debt Management Kent: Get Help with Debt Today

Debt Management Kent

Welcome to Debt Management Kent, where we offer tailored debt solutions to help you achieve financial stability. We understand that seeking help with debt can be overwhelming, but we are here to support you every step of the way. Our range of services includes Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, and Bankruptcy. We focus on affordability and long-term financial well-being, ensuring solutions are personalised to your needs. Explore your options today and take the first step towards a debt-free 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 Kent

Bankruptcy is a legal debt solution in the UK for individuals struggling with unmanageable debts. It is suitable for those who have explored other options without success and have significant debts they cannot repay. The process involves declaring bankruptcy, which involves a court order to discharge debts, including credit cards, loans, and utilities. While it provides relief from debt, it can have long-term consequences on credit scores, assets, and future borrowing. It is essential to understand the implications before proceeding. Seeking professional advice is crucial to navigate this process effectively, without judgment.

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Debt Management Kent

An Individual Voluntary Arrangement (IVA) is a debt solution in the UK for individuals with unmanageable debts. It is suitable for those who can make affordable monthly payments to creditors. An IVA involves a legally binding agreement to repay a portion of debts over a set period, after which remaining debts are written off. While it offers a structured path to debt freedom, it may impact credit ratings and assets. Seeking professional debt advice is crucial to determine if an IVA aligns with your financial goals.

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Debt Management Kent

A Debt Relief Order (DRO) is a debt solution in the UK for individuals with low income and minimal assets. It is suitable for those with debts they cannot afford to repay. The application process involves meeting specific eligibility criteria, and if approved, debts are frozen for 12 months. While it provides a fresh start after the moratorium period, it may have implications on credit ratings and borrowing capabilities. Seeking professional advice is crucial to explore if a DRO is the right solution for you.

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Debt Management Kent

A Debt Management Plan (DMP) is a debt solution in the UK for individuals facing financial difficulties. It is suitable for those who can afford to make reduced monthly payments to creditors. A DMP involves negotiating affordable payments with creditors, consolidating debts into one manageable monthly payment. While it offers relief from overwhelming debt, it may impact credit scores and borrowing options. Seeking professional debt advice is essential to assess if a DMP is the right solution for your circumstances.

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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 Kent in UK offers tailored debt solutions including DMPs, IVAs, and bankruptcy. Get expert advice and support for managing debt effectively.