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www.myfinancialaffairs.co.uk Do you have debts over £15k? Apply now for free no obligation IVA help and advice. Speak to one of our IVA specialist and find out how much an IVA costs. Whether it be an alternative to bankruptcy your looking for or one affordable monthly payment with interest frozen. http MyFinancialAffairs will give you free IVA help and debt advice. Our IVA helpline will answer any IVA questions that you may have and we will also discuss your available options. We can also look at other options such as secured lending for you to see if we can meet your needs.

People trying to get out of debt are being encouraged to talk to someone about their financial situation.

If you have an adverse credit history, with mortgage arrears, County Court Judgements, etc, DO NOT WORRY, we may still be able to help as we have a specialist department and excellent lenders to deal sympathetically with these types of applications. All applications are handled quickly and easily with no up-front fees.

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

Kathryn talks about Student Debt in the UK and how to get free debt advice from Insolvency Helpline

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.

www.bankruptcy-ireland.com – Where can I get debt advice – We Can Help Those Who Have over extended themselves with credit cards, loans or overdrafts Have monthly expenditure which now exceeds their monthly income Use credit cards to pay off other debts or to pay for items they previously bought with cash Have been refused a consolidation loan Have seen their circumstances change due to divorce, separation, bereavement, loss of employment Have a Tax Bill that is outstanding to HMRC DEBT IN NUMBERS 106645 people were declared insolvent in England and Wales in 2007 UK personal debt totals close to £1.5 trillion Rises in gas and electricity bills has led more into fuel poverty Where can I get debt advice – http