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Residents in Scotland

Trust Deeds

A Trust Deed is a little known affordable solution for people whose debts are out of control and is an alternative to bankruptcy (or sequestration). It protects you from your creditors and, on completion, enables you to write off what remains of your debts - which could be as much as 85% of what you owe.

A Trust Deed acts as a formal agreement between you and your creditors, administered by an Insolvency Practitioner, where you agree to pay one lower affordable monthly payment over a fixed period (usually three years).

How can a Trust Deed help me?

• Write off up to 85% of your debts.
• Be debt free in 36 months.
• Only pay what you can afford.
• Stop you creditors chasing you.
• Freeze interest and charges.

Get Free Trust Deed advice today: call 0800 073 0280

Look forward to a life free from debt!

Once the Trust Deed is completed (normally in just 36 months), your creditors will make no futher claims against you, as long as you have stuck to the terms of the arrangement. Your remaining debts will be written off, which could be as much as 85% of what you owe.

Residents in England & Wales

Individual Voluntary Arrangements (IVA's)

If you have a substantial amount of unsecured debt, usually around £15,000 or more, an Individual Voluntary Arrangement (IVA) could be your best solution.

It acts as a legally binding agreement between you and your creditors, effectively freezing interest charges and setting an affordable monthly payment amount over an agreed fixed period, usually 5 years.

Debt Consolidation Loan

If you're juggling lots of different debts on credit cards, store cards and other loan or HP agreements, not only might you be paying over the odds in interest but you also have the added hassle of dealing with lots of different creditors: one missed payment could lead to higher interest rates or default charges, and with several creditors to deal with, keeping up with your financial commitments can become a nightmare.

Our dedicated team of debt consolidation loan experts can assess which is the best solution so that you can combine all your monthly outgoings into one lower affordable monthly payment - in one FREE phone call. They'll talk through your requirements, in confidence, and find you the best debt consolidation loan for your situation from our comprehensive panel of lenders.

Debt Consolidation Remortgage

Why have crippling debts when some of the cash tied up in your home could pay them off?

With a debt consolidation mortgage you can combine your credit cards, store cards and other debts into a remortgage and often end up paying less each month!

Is a debt consolidation mortgage right for me?

• As a homeowner, you could remortgage and release the cash tied up in your property.
• You could consolidate existing loans, credit cards, store cards and other debts.
• You could reduce your monthly repayments.
• It won't damage your credit rating.

One call to our debt consolidation remortgage team puts you in touch with our comprehensive panel of consolidation mortgage lenders. Our expert advisers will take your details and search for the mortgage best suited to your needs. Don't worry; our team is dedicated to making every part of the process as simple as possible for you and will sort out the paperwork on your behalf.