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Bailiffs Guide & Advice
Bailiffs can be an intimidating prospect and there remains a lot of uncertainty about their legal entitlements. A lack of understanding in this area means unscrupulous bailiff companies can exploit people who have serious money problems.
We have created a bailiffs section to inform and empower people who are on the receiving end of bailiff intimidation. We realise that the most effective way of putting an end to bailiff calls is to pay creditors, and we can help you do just that. Our debt solutions and debt advice are for people suffering financial hardship and serious debt problems.
How we can help you
We are helping thousands of people get out of debt using affordable repayment programmes. Our approved debt advisors can help arrange Debt Management Plan (DMP) and Individual Voluntary Arrangements (IVAs) which are both less drastic than bankruptcy, which means you get to keep your assets and make payments you can afford. They do all the negotiating on your behalf so you have peace of mind knowing that our debt specialists will deal directly with your creditors.
Even if you have already spoken to a debt company, we would like to help you.
Reasons to Choose an IVA
- Stop bailiff harassment – under an IVA, creditors and bailiffs cannot contact you
- Debt free – all remaining debts are cleared after 5 years.
- Fresh start – start an IVA and make bailiffs a thing of the past
- Keep your assets – bailiffs cannot seize your goods.
Reasons to Choose a DMP
- Keep your assets – bailiffs cannot seize your goods
- Flexible payments – instalments to suit your budget
- Affordability – debt management plans are inexpensive
- Peace of mind – you know creditors are being paid.
To talk to our approved debt specialists who are fully licensed Insolvency Practioners (IP’s) and offer a full range of solutions please telephone 0800 014 7863 or complete the short online application and the advisor will call you back. There is no cost for this call and no obligation.
DIY Debt Solutions
Ideally suited to debts of less than £5k with some disposable income available. Learn how to consolidate your situation and reduce your monthly payments by learning to negotiate with your creditors directly.
DIY Debt Solutions Debt Management Plan
Designed for debts of up to £15k where creditor pressure is becoming too much to handle and you may have failed to agree to an overall acceptable monthly payment with your creditors directly.IVA
Minimum total Debt of £15k to qualify for an IVA. Typically you can write off up to 75% of your debts and repay the balance over 5 years. This is a formal arrangement and failure to maintain it can have serious implications
Bankruptcy
If you have been refused an IVA or simply do not have any disposable income to come to an arrangement with your creditors Bankruptcy may well be your best option but professional help and advice is strongly recommended before entering into any formal arrangements.