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If after discussing your situation it appears to us that the best way forward for you would be a re-mortgage, then we may advise you to consider this option in order perhaps to consolidate your debts into one single payment. We may also advise you to consider a debt consolidation loan or a loan which is secured on your property - often referred to as a second mortgage. As with any advice that we give to you, this will depend upon your individual circumstances and we will advise you on these matters only if they are in your best interests.
Important Information About Our Service & Fees
Whilst we strive in all cases to negotiate the best deal with your creditors, we cannot guarantee a reduction in interest or charges. Also as one of the largest providers of debt management solutions in the UK, we are able to provide initial advice over the phone without charge, however, if a debt solution is taken out, please be aware that fees will be charged. We aim to keep these fees as low as possible and believe that we are very competitively priced, for detailed information on our fees, including examples for each product, please click this fees link.
Further Additional Information
What if you decide that I don't want to go ahead? - click here.
Will your credit rating be affected? - click here.
The insolvency service has produced a guide for people who are struggling with debt. This guide outlines each of the available solutions. You can download the guide by clicking the following link - In Debt? Dealing With Your Creditors.
If an IVA is not maintained it could lead to bankruptcy.