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Debt Solutions 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.

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Affordable Debt Help with Debt Solutions Kent

Debt Solutions Kent
Welcome to Debt Solutions Kent, where we offer tailored debt solutions to help you manage your finances effectively in the UK. We understand that seeking debt help can be overwhelming, but our range of services, including Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, and Bankruptcy, are designed to offer you affordable and sustainable options. Explore our services and seek professional advice without judgment to pave the way towards financial stability.

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 Solutions Kent
Bankruptcy can be a daunting but necessary step for individuals struggling with unmanageable debts in the UK. It provides a legal process to help clear debts, offering a fresh start. Bankruptcy is suitable for those with overwhelming debts and no means to repay them. The process involves declaring bankruptcy, which typically lasts for a year, during which your assets may be used to repay creditors. While bankruptcy can affect your credit score and borrowing ability, it also offers relief from debt stress and a chance for a financial reset. Seeking professional advice is crucial to understand the implications and requirements of bankruptcy in the UK.

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Debt Solutions Kent
An Individual Voluntary Arrangement (IVA) is a formal agreement between you and creditors to repay debts over a fixed period, typically lasting five to six years. IVAs are suitable for individuals in the UK struggling with unsecured debts and seeking to avoid bankruptcy. While an IVA can provide debt relief and prevent legal action, it may impact your credit rating and require regular monthly payments. Seeking professional advice to assess eligibility and understand the implications of an IVA is essential for making informed decisions.

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Debt Solutions Kent
Debt Relief Orders (DROs) offer a debt solution for individuals in the UK with low income, minimal assets, and debts they cannot repay. A DRO freezes debt repayments for a year and writes off qualifying debts if your financial situation remains stable. While a DRO provides relief from debt stress and legal action, it can affect your credit rating and limit financial options. Seeking professional advice to assess eligibility and understand the implications of a DRO is crucial for making informed decisions.

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Debt Solutions Kent
A Debt Management Plan (DMP) is a flexible way to manage debts in the UK, suitable for individuals facing financial challenges. It involves making reduced monthly payments to creditors based on what you can afford. While a DMP can simplify repayments and stop creditor harassment, it may take longer to clear debts and impact your credit rating. Seeking advice on setting up a DMP tailored to your circumstances is essential to ensure a manageable and sustainable debt repayment plan.

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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 Solutions Kent offers tailored debt solutions in the UK to help individuals manage their finances effectively. Explore Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, and Bankruptcy options in Kent.