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have a super-quick and highly professional debt consolidation service.
A qualified and experienced Insolvency Practitioner will be personally
assigned to you and you will get a elephone call back from him or her
very quickly (or whenever you specify on the online form).
For Debt Consolidation Management?
IVAs are generally
set to run over a 60 month term, although this can be adapted at its
inception to suit individual requirements for debt
consolidation management. In Scotland, where such arrangements are
referred to as Trust deeds or Protected Trust Deeds, the term is normally
36 months but may be over four or five years. By using both the Individual
Voluntary Arrangement and also the Protected Trust Deed the client is
kept safe from predatory creditors by the relevant insolvency laws and
all debts are completely and utterly removed at the end of the period.
Not all people is suitable for an IVA; there exist
several constraints on who can apply. Ordinarily those applying need
to have a regular income providing a surplus monthly sum over and above
household expenditure to finance the regular repayments, though this
need not be a huge amount. People not qualifying for an IVA will probably
qualify for a similar debt relief programme, therefore it's generally
worthwhile applying just to find out.
The debt management plan or IVA will be drafted by
an insolvency practitioner who is properly qualified and would belong
to a relevant professional body and will be very familiar with debt
consolidation management. All the debt and all of the creditors will
be considered. The income and expenses will also be looked at and a
monthly or weekly expenses list will be drawn up with the knowledge
of the client and the creditors. The essential household bills will
be paid before any of the creditors are considered. The total amount
of debt will be diminished in this way by as much as 60 per cent or
more, and the surplus income is used to pay off the debt in this very
painless way and on a much reduced basis than before.
By enquiring into debt consolidation management you
are putting yourself on the road to financial well being and therefore
ensuring a new life for yourself and your family. Any choices made now
will start that process.
Now go back
up to the application form and change your life today!
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