Why choose us?

• Pay one affordable monthly amount without more borrowing
• Write off the debt that you can’t afford to repay after 5 years
• Freeze interest and late payment charges
• Stop threatening letters and phone calls
• One point of contact for all unsecured debts

IVA (Individual Voluntary Arrangements) are on the increase as more and more consumers see them as an ideal debt solution. Consumer Debt Solutions can help reduce your monthly outgoings and reduce your debt overall by arranging an IVA.

An IVA is a government backed scheme that can help you to write off the debt that you can’t afford to repay after 5 years

Entering into an IVA will stop creditors making any further contact with you.

Whether you’re looking for a long or short term solution a debt management plan could be the ideal debt solution for you. Consumer Debt Solutions can help to arrange debt management plans tailored specifically to your needs.

As part of your debt management plan we will look to freeze interest, reduce monthly* outgoings, prevent further contact form creditors and ensure you only pay what you can afford on a monthly basis.

If in the future your circumstances change you can end the plan at any time that suits you.

*Reducing your monthly payments may affect your credit rating.

If you live in Scotland and need debt help and advice you may qualify for a specially structured Trust Deed. Trust Deeds could be the ideal solution to resolving your debt issues and can help to protect homes and assets.

A Trust Deed is an alternative to sequestration and you only pay what you can afford, usually in a maximum of 3 years. On completion you have a fresh start, completely debt free.

Once entered into a Trust Deed there should be no further need for contact from your creditors.