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Free Debt Help 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.

Help also available at MoneyHelper

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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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Free Debt Help Kent

Bankruptcy is a legal process that allows individuals in the UK to deal with overwhelming debt they cannot repay. It is suitable for those with unmanageable debt and no feasible way to pay it off. The process involves declaring bankruptcy, which can have both positive and negative consequences. While it provides relief from debts, it also affects credit scores, assets, and future borrowing. Seeking professional advice is crucial to understand the implications fully.

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Free Debt Help Kent

A Debt Management Plan (DMP) is a debt solution tailored to individuals in the UK struggling with unmanageable debt. It involves arranging affordable monthly payments to creditors. While a DMP can help regain control over finances, it may impact credit scores and borrowing abilities. Seeking professional debt advice is essential to explore the benefits and drawbacks of a DMP and understand how it aligns with UK debt management regulations.

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Free Debt Help Kent

Debt Relief Orders (DROs) provide a debt solution for individuals in the UK facing financial hardship. It offers a way to freeze debts and obtain relief within a 12-month period. While a DRO can provide a fresh start, there are eligibility criteria and limitations to consider. Seeking professional advice is recommended to determine if a DRO is the right option and to navigate the application process effectively.

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Free Debt Help Kent

Section ‘h2-Introduction’:
Free Debt Help Kent

Welcome to Free Debt Help Kent, where we offer tailored debt solutions to individuals in the UK. Seeking debt help can be overwhelming, but we are here to support you. Our range of services, including Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, and Bankruptcy, are designed to help you achieve financial stability. Explore your options with us today without any judgment.

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Free Debt Help Kent

Individual Voluntary Arrangements (IVAs) are a debt solution for individuals in the UK struggling with unmanageable debt. It offers a structured repayment plan and the possibility of writing off debts after completion. While an IVA can provide relief, it also impacts credit ratings and borrowing abilities. Seeking professional debt advice is crucial to determine if an IVA is the right solution for your financial situation.

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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.

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