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Posts Tagged ‘Debt Advice’

Individual Voluntary Arrangements, or IVAs, are an alternative solution to bankruptcy. An IVA allows you to make arrangements with the people you owe money so you can reach a final, legally binding settlement. An IVA replaces all your current payments with one affordable monthly payment, which is paid over a period of five years. After that time, any remaining debt is written off. Monthly repayments can start from as low as £150, which is usually much less than existing minimum payments on credit cards and loans. If you have unsecured debts of at least £12000, have a regular household income and live in England, Wales or Northern Ireland, an IVA may be the option for you. For more information contact Debt Free Direct for specialist advice. Visit www.debtfreedirect.co.uk

Call 0800 988 7644, visit www.clearstart.co.uk – An IVA or Individual Voluntary Arrangement is an alternative debt solution to bankruptcy. An IVA provides you with a way of working with your creditors – to provide a mutually beneficial solution so you can reach a final, legally binding settlement. An IVA replaces all your current debt repayments with one affordable monthly payment, which is paid over a period of five years. After that time, any remaining debt is written off therefore making you debt free, which will be such a relief. IVA monthly repayments can start from as low as £150, which is usually much less than your existing minimum payments on unsecured debt such as credit cards and loans. An IVA may be the option for you if you have unsecured debts of at least £15000, live in England, Wales or Northern Ireland- and have around £200 of disposable income per month. For more information on IVA’s and debt solutions, please contact ClearStart for free, impartial and immediate advice. We’re here to help you make the right debt management decisions.

High interest rates and minimum payments help to keep people in debt, as does living beyond one’s means and using student loans. Find out how a mortgage represents a good debt withhelp from a business analyst in this free video on financial planning and debt management. Expert: Terry Kuykendall Bio: Terry Kuykendall is currently a budget analyst for the military in Washington. She is an accountant who has worked at firms helping people deal with personal and business debt. Filmmaker: stephen kuykendall

www.debtDrBerkshire.com Video Testimonial for Alan Oatham. Alan Oatham, Berkshire’s debt Dr is a debt and insolvency professional providing bespoke solutions to individuals and businesses. He is compassionate and sympathetic and knows how complex and pressurised it can be to own business and manage a household budget. Alan’s professional background is in commercial banking and business consulting and he has assisted with the financing of many household names. He’s been self-employed since 1999 and has worked as a freelance business turnaround manager, responsible for restructuring and refinancing businesses of all sizes, from SMEs to multi million pound companies. He’s been directly responsible for the running of large companies with up to £8M turnover, and has both restructured and closed businesses. His experience in the banking sector gives him valuable insight into what makes the finance world tick. Alan Oatham loves helping people get free of their debt with a passion and he will support your journey with great care and humour. Filmed and produced by RoardioTV. Roardiotv@roardio.com. Royalty Free Music http

www.falconcreditmanagement.com Debt Advice at Falcon Credit Management is one of a variety of debt management services we specialize in. Hi. I am Nevada Licensed Debt Adjuster Damian Falcone, here with part two in our video series on debt collection providing consumer debt advice. In part one we talked about what debt collectors can and cannot do. In this segment, we will discuss your rights when dealing with collection agencies. This is Get Settled – your source for consumer debt advice and debt settlement information. As always, for even more information, go to www.falconcreditmanagement.com. Once a debt has entered the collections phase, you will likely be in contact with a debt collector. As we discussed in part one, the practices of debt collectors are governed by federal laws prohibiting abusive collection practices, and mandating certain practices by the collection agencies. These laws also discuss certain things that you can do to protect yourself when dealing with a collector. In an Episode to follow I will show how to draft a Checklist so you can easily document any violations. Perhaps the most basic thing you are allowed to do is to negotiate your debt. Most debt collectors are authorized to set up payment plans and settle debts for less than the ending balance, and if this is an option for you, then go ahead and negotiate but be careful about receiving any debt advice from the debt collector. John S: I enjoyed negotiating — I knew how to do it…to walk …

www.clearstart.co.uk – The first ClearStart TV advert, first broadcast in January 2010. ClearStart provide impartial debt advice, best-value debt solutions and immediate support to help you resolve your debt problems. Blog http Twitter at twitter.com

Debt consolidation is the process of combining bills from various institutions or individuals and placing those into a single loan, which consolidates interest rates into a single bill. Consider debt consolidation as an option to help organize debt relief withadvice from a licensed financial planner in this free video on personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for over 30 years. Filmmaker: Christopher Rokosz

The best way to get out of debt is to come up with a monthly plan of attack by making a list of all bills, writing down how much is owed along with the interest rate and chipping away slowly at the smallest bill or the bill with the highest interest rate. Create an organized plan, setting aside money each month for bills, withadvice from a licensed financial planner in this free video on personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for over 30 years. Filmmaker: Christopher Rokosz

Consolidating business debt requires first cutting spending, increasing income, making a list of how much is owed to who, making terms and repaying the debt gradually. Consolidate business debt while building up a more successful business withadvice from a licensed financial planner in this free video on finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for over 30 years. Filmmaker: Christopher Rokosz

Put an end to debt collection calls with a solution to your debt problems. We are a non-profit service, and we can help. We can help with debt solutions, interest relief, and consolidating you debts into one affordable monthly payment.