Personal Debt Consolidation










Best Debt Consolidation

Personal Debt Consolidation

Get an Independent Debt Consolidation Quote Today for Free


Personal debt consolidation is the art of getting the most money written off by your creditors. If you are entering on a proper debt consolidation plan or IVA, which you should be (rather than taking out another loan which may put your home at risk) you should know that the important part is at the beginning of the process, when you can wipe out up to sixty percent (in some cases up to seventy percent) of your debt at a stroke across all your creditors.

An IVA (Individual Voluntary Arrangement) is a form of personal debt consolidation set up by the government to try to eliminate personal debt and to deal with the issue of individual insolvency. Our associates are licenced to give IVA advice on the basis of the fact that IVAs can never be one-size-fits-all fixes to any money problem, because each person's circumstances are different.

The needs of one household or one individual can vary greatly from the needs of another person. Any personal debt consolidation advice given must take into account the uniqueness of the situation in which people find themselves.

In general an IVA will run for 60 months and when this is complete all the debts are cleared from a person's credit record. During this time none of the banks are permitted to harass or pursue the debtor in any way. The IVA carries with it all the benefits of bankruptcy and none of the disadvantages.

An IVA writes off most of a person's debt at the start of the plan (although be wary of the claims made in some circles: it is seldom more than 60 or 65% of total unsecured debt which can be cancelled). Any decent personal debt consolidation advice of this nature will make sure you get the optimum results with the lowest repayments together with the highest percentage of debt write-off.

So complete the online form below for impartial and independent personal debt consolidation advice for your own circumstances.

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We 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 telephone call back from him or her very quickly (or whenever you specify on the online form).


Personal Debt Consolidation


As part of the process of personal debt consolidation the insolvency practitioner will be skilled at negotiating with your creditors all together, and persuading them to reduce your debt by as much as possible. Under present legislation IVAs must be drawn up collectively and with the consent of all your creditors; no separate agreements with individual creditors are possible. It takes skill to do this, which is why you should consider your personal debt consolidation firm wisely.

After the insolvency practitioner has wiped out most of the capital sum of your debt you will now be faced with paying off only thirty to forty percent of what you originally owed. For most people, this gives a tremendous sense of relief. How much better is this than just paying out more monthly instalments on a loan, which will just end up getting people in deeper debt? After all, personal debt consolidation should not be about creating more financial difficulties further down the line, but rather ameliorating those present difficulties which are already being experienced.

After five years (six years in Scotland) the debt is cleared completely, assuming that the monthly payments have been adhered to as proposed and agreed. Now there is time for a new start. There is none of the stigma of the sort associated with other more severe forms of personal insolvency such as bankruptcy, and the client will start off with a clean sheet. Personal debt consolidation, when executed properly by a reputable firm, will result in a complete recharging of the batteries and the prospect of a future completely without debt at all.

Now go back up to the application form and change your life today!


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Personal Debt Consolidation


Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.

OFT Legal Notice



UK Debt Consolidation is an independent website service providing a no-obligation debt consolidation service for U.K. residents.


For U.S. residents click here to visit our associates across the pond.