Dealing Directly with Your Creditors
A debt solution may not be suitable in all circumstances. Fees may apply. Entering into an IVA will affect your credit rating.
If you prefer to make your own arrangements, you can contact each creditor and provide a full breakdown of your current financial position, which includes your income and expenditure, assets and liabilities, and your offer of repayment.
If you prefer to make your own arrangements, you can contact each creditor and provide a full breakdown of your current financial position, which includes your income and expenditure, assets and liabilities, and your offer of repayment. We have a useful debt calculator which will help you work out your household budget, how much your unsecured debt is costing you each month to repay and how this compares with any surplus you may have at month end.
Further information and useful tools on dealing with your creditors are available at www.moneyhelper.org.uk who can also provide you with details of organisations that can provide free debt advice including free debt management plans. Their contact number is 0800 138 7777. Calls cost no more than a standard UK number.
In addition, you can find government guidance on dealing with your creditors here.
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How we have helped
James
James’ company specialised in landscaping and gardening. His company suffered a number of bad debts.
Klaudia
Klaudia was struggling with unsecured debts over £50,000 made up of loans, overdrafts and credit…
Ian & Nicole
Due to the ill health of Nicole’s mother, Ian & Nicole have faced significant costs.
Ben
Ben struggled when his marriage broke down, ended up in a 1 bedroom flat, struggled…