Debt Advice Agency

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A Real Life example of how our services changed
one customer's life for the better...

Mr A. of Guildford contacted us in October 2006. He was at his wit's end. Having purchased his home earlier that year, he had no equity to borrow against, and the mounting costs of his new home and supporting his wife and two young children had quickly put him £50,000 into debt.

His monthly minimum payments were over £900, and even at this level he was only repaying the interest each month - the original debt was not even reducing. After his mortgage and these payments, there was barely enough left for his family to live on.

Gradually things got worse. Mr. A. started to miss payments on his credit cards and mortgage - his wife was concerned that they were going to have their beautiful new home repossessed by the building society. She saw one of our adverts and begged him to take action before it was too late.

Our professional qualified advisors arranged an Individual Voluntary Arrangement (IVA) for Mr.A which meant that his debts could be repaid at £325.83 per month, payable over 5 years. Now he will repay a total of £19,549.80, instead of the £50,000 plus interest that he owed. Over the 5 years, that's a saving of over £84,000! Yes, just by talking to us, Mr. A saved over eighty four thousand pounds.

Mr. A and his family are now more relaxed and confident that they have enough money to pay their mortgage and enjoy the good things in life. And best of all, in 5 years, they will be 100% debt free.

Can Debt Advice Agencies Really Relieve You of Your Debt Miseries?

Debt advice agencies in Great Britain have been under close scrutiny since the time they started to proliferate and influenced the lives of the British people not too long ago. Their cheap-looking television commercials may seem to annoy a lot of people but they are here to stay, perhaps for good owing to the present economic crunch..

Many people in the UK have extreme debt problems that require help from a debt advice agency. Indiscriminate spending has gone out of control and debtors don't know how to find an effective solution to free them from their financial crisis. That is the reason why the demand for these debt advice agencies is huge and keeps growing by the day.

The negative aspect of this industry is that many people believe it is always trying to drive consumers towards arrangements where it can profit gainfully. This could indeed be considered true. As proof, just take a look at the increasing number of applicants for Individual Voluntary Arrangements every year. These applicants are the biggest money-spinners for debt management companies and are the source of great amounts of cash of money in commission for establishing an agreement.

In truth, however, an Individual Voluntary Arrangements (IVA) can be exceedingly helpful to consumers with huge debts. After all, it slashes off a large chunk of the unpaid debt and provides a ray of hope for people who have been suffering from endless stress due to unpayable debt.

The debt advice agency that provides IVA agreements also contend that lending institutions should practise stringently enforced lending conditions and they are in fact the guilty parties behind the present debt crisis in the UK. Whichever side is right will not change the fact that people with insurmountable debts need immediate assistance and education.

The Law Centres Federation, the Advice Services Alliance, Age Concern, Citizens Advice and Advice UK are just six of the better debt advice agencies that offer help to people struggling with their debts within the UK. As of this writing, they are going around the country to hold outreach events.

Without a doubt, the most practical advice for people heavily-laden with debts is to objectively analyse their situation and make an exhaustive list of everything concerning their own finances. By doing that, if they have to seek help from a debt advice agency , they will be fully aware of where they stand with their financial situation. If they remain in denial and continue to be ignorant of the facts behind their crisis, then they will, more likely than not, live with debt for the rest of their lives. GP

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