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Why choose
Debt Counsellors?
- We are debt management specialists
- We employ over 200 highly trained staff
- We are not a broker
- Over a decades debt management experience
You are in safe, professional hands
DEBT MANAGEMENT
A debt management plan is an agreed solution with your lenders and we negotiate with your creditors to:
- freeze or reduce your interest
- reduce your monthly bills
- stop letters and phone calls chasing money
IVA
An IVA is a formal arrangement with your creditors and once agreed your creditors cannot ask for your agreement to be changed. An IVA:
- freezes or reduces your interest
- legal protection from your creditors
- reduces your amount of debt
REFINANCING
Refinancing is a way to wrap up all of your credit into one manageable monthly payment. You can:
- reduce your payments by up to 50%
- be spread over as much as 25 years
- access various lending options
TRUST DEED
For our Scottish customers a Trust Deed is your equivalent of an IVA and we are usually able to:
- freeze interest
- freeze or reduce your interest
- reduce your monthly outgoings
BANKRUPTCY
Bankruptcy also known as Sequestration is when you legally declare that you cannot pay your debts. Bankruptcy:
- frees you from debts for a fresh start
- shares out assets fairly amongst your creditors
- is usually completed after 12 months