Here at Consumer Debt Solutions we are specialists in preparing and processing structured debt solutions on behalf of our clients.
Drawing on vast experience and expert backing from our dedicated Insolvency Practitioners we are able to provide debt solutions for clients who are struggling with debts such as; credit card debt, store card debts, catalogue debts and unpaid loan debts. Throughout our process we work with you to help recognise your monthly income and what amount you can realistically afford to pay to your creditors, following that all correspondence and contact from your lenders is handled by us. So all you need to worry about is maintaining that one affordable payment each month, a payment you can afford NOT what your creditors want you to afford!
Debt solutions are provided in the way of Debt Management Plans, IVA’s, Trust Deeds or Bankruptcy. By working with you we will identify the solution that best suits your needs and you are most comfortable with. Our process is about helping you so if you’re not happy then neither are we!
Many of our debt solutions are provided in house by our specialist and experienced team. However, to ensure you receive the best solution for your requirement we’ve hand picked a dedicated, range of financial professionals to work in association with which enables us to offer a whole range of debt related services. Those financial professionals share the same values as us when offering debt help and advice and resolving your debt issues.
Each of our clients’ situations are different so we spend time working with you and evaluating your financial circumstances. The initial discussions we have with you are the most crucial and at this stage we start get a clear understanding of which debt solution you should be directed towards.
Debt Management Plans can act as a short-term flexible arrangement until your circumstances improve or as a long term solution to completely clearing your debts in full. Through negotiations we can look to freeze interest, stop late payment charges and reduce your monthly payments down to one affordable amount which we disperse on your behalf.
IVA's are a formal arrangement with your lenders and can help reduce your overall debts by writing off the amount you can’t afford to repay. Payments are a fixed affordable, amount and usually made over 5 years (60 months) until the agreed, reduced debts are cleared in full. IVA's are a form of insolvency and backed by a government endorsed scheme to help prevent bankruptcy.
Trust Deeds only apply in Scotland. The process is very similar to that of an IVA process in England and Wales and is an alternative to bankruptcy.
Trust Deeds usually last for 3 years and is a formal arrangement with your creditors to pay only what you can afford in that time. At the end of the 3 year period the remaining balances can be written off or it will be protected through equity in your property and assets.
Alongside Debt Solutions we are also able to offer Claims Management services to help reclaim mis-sold Payment Protection Insurance Polices (PPI), unfair bank charges and unfair credit card charges. Claims for mis-sold PPI and unfair bank charges can lead to substantial cash refunds from your lenders or help to significantly reduce your debts.
To find the best financial solution for your needs simply get in touch, Consumer Debt Solutions can help to arrange Debt Management plans, IVA’s (Individual Voluntary Arrangements), Scottish Trust Deeds and mis-sold PPI claims.
Copyright © 2009 Consumer Debt Solutions Ltd
Consumer Debt Solutions Ltd, Suite 6, Springboard Business Centre, Ellerbeck Way, Stokesley Business Park, Stokesley, TS9 5JZ Telephone: 0800 197 4940 Company Registration Number: 6830200
Debt help and advice is given by Consumer Debt Solutions Ltd
Consumer Debt Solutions Ltd is licensed under the Consumer Credit Act 1974 - License No; 628265