Write Off My Debt Northampton

Speak to an expert to discover all the debt solutions available to you.

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

Seeking Help with Debt in Northampton?

Welcome to Write Off My Debt Northampton, where we understand the challenges of debt. Our tailored solutions include Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, and Bankruptcy. Explore affordable debt help options with us and start your journey towards financial stability today.

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.

Check if you qualify

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.

Check if you qualify

What debt are you most concerned about?

Credit Cards

Over Drafts

Unsecured Loans

Store Cards

Personal Loans

Utility Bills

Business Debt

Catalogues

Check if you qualify

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.

Check if you qualify

At Write Off My Debt Northampton, we understand the challenges of overwhelming debt. Bankruptcy can be a viable solution for individuals in the UK facing unmanageable debts. It involves declaring insolvency, offering relief from debt but also comes with consequences. Suitable for those with significant debts and no alternative options, the process involves a court declaring you bankrupt, potentially leading to the sale of assets. While it provides a fresh start, bankruptcy affects credit scores, making borrowing difficult. Seek professional advice for tailored guidance without judgment.

Check if you qualify

Considering Individual Voluntary Arrangements (IVAs) in the UK? An IVA can be a viable solution for those struggling with debts. Tailored to individual circumstances, an IVA involves a formal agreement to repay creditors a portion of what you owe. While it eases the burden of debt, it can impact your credit rating. Seek professional advice to determine if an IVA is the right path towards financial freedom.

Check if you qualify

Debt Relief Orders (DROs) provide a lifeline for individuals in the UK burdened by debts they can’t repay. Tailored to those with low income and minimal assets, a DRO freezes debts for a year, offering relief from financial stress. While it restricts your financial activities, it doesn’t involve court proceedings. Consider a DRO as a fresh start towards financial stability. Seek professional advice to navigate this debt solution with support and guidance.

Check if you qualify

Seeking debt help in Northampton? Consider Debt Management Plans (DMPs) as a practical solution. Tailored to UK residents struggling with debts, a DMP consolidates repayments into one affordable monthly sum. Suitable for those with unsecured debts, this plan involves negotiating with creditors to freeze interest and charges. While it eases financial pressure, it may impact credit scores. Explore DMPs as a step towards managing debt effectively with expert guidance.

Check if you qualify

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

Check if you qualify

Example case completed in 2023. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.

Get tailored debt solutions at Write Off My Debt Northampton. Explore options like DMPs, IVAs, and DROs. Find relief from debt in Northampton today.