Write Off Debts Kent

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Help with Debt Solutions in Kent

Welcome to Write Off Debts Kent, where we offer tailored debt solutions to individuals in the UK. We understand that seeking help with debt can be overwhelming, but rest assured, 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 provide affordable and sustainable solutions for your financial well-being. Explore your options with us 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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Bankruptcy can be a daunting but viable debt solution for individuals struggling with overwhelming debts in the UK. It involves declaring yourself unable to repay debts, and if approved, can provide a fresh financial start. Bankruptcy is suitable for those with unmanageable debts and no feasible repayment options. The process typically lasts one year, during which your assets may be sold to repay creditors. While bankruptcy can help write off debts, it also comes with consequences such as affecting your credit score and future borrowing. It’s crucial to seek professional advice to understand if bankruptcy is the right choice for your situation.

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Individual Voluntary Arrangements (IVAs) are a formal and legally binding debt solution for individuals in the UK struggling with unmanageable debts. Suitable for those with stable income but unable to meet debt repayments, an IVA involves making affordable monthly payments towards debts, with the remaining balance usually written off after completion. While an IVA can offer a structured path to debt relief, it may impact credit ratings and borrowing abilities. Seeking professional debt advice is crucial to determine if an IVA aligns with your financial goals.

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Debt Relief Orders (DROs) are an accessible debt solution for individuals in the UK facing financial hardship. Designed for those with low income, minimal assets, and debts below a certain threshold, a DRO freezes debts for 12 months before writing them off if the circumstances remain unchanged. While a DRO can offer relief and a fresh start, it comes with limitations such as restrictions on financial activities. Seeking professional advice is key to navigating the DRO application process and understanding its implications.

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Debt Management Plans (DMPs) offer a structured way to repay debts at a manageable pace for individuals in the UK. Suitable for those with multiple debts but some disposable income, a DMP involves consolidating payments into one affordable monthly amount. While DMPs can provide relief and stop creditor harassment, they may extend the time taken to repay debts and can impact credit ratings. Seeking professional advice is essential to determine if a DMP is the right debt solution for you.

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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.

Expert debt solutions at Write Off Debts Kent in the UK. Explore bankruptcy, DMPs, DROs, IVAs, and more for tailored debt relief strategies. Serving Kent residents with compassionate and effective debt help.