DMP vs IVA

Two of the most common debt solutions that our clients opt for are DMPs and IVAs. They are two very different options and many people have to choose between the two.

Top tips to cut down your energy bills.

This winter it is thought that hundreds of thousands of families will struggle with their energy bills after seeing a huge hike in the cost of fuel over the course of the summer.

Am I in a DMP or an IVA?

Time and time again I come across people in a particular plan, who are under the assumption that they are in a completely different plan. In my experience this is down to either miscommunication or misunderstanding.

Dawn’s Story

Here is the story of Dawn, she has now finished her DMP and is debt free! Congratulations.

Over 65 and still working!

It was recently suggested that a third of people over the age of 65 years head into retirement with debts of around £25,000 according to The Guardian.

Payday Loans – Good or Bad?

There always seems to be a large amount of controversy surrounding Payday Loans. With high interest rates, quick repayment time and easy availability, Payday Loans can often be the downfall of many people in debt.

Gambling & Debt

It is thought that some 68% of the UK population participate in some form of gambling activity over a one year period.

Debt: Perception versus Reality

The aim of the survey was for us to gage what people’s perceptions of debt are. It is usually the case that people’s perceptions are a lot different to the reality, this survey turned out to show exactly that.

A Clients Story: Kevin

It started a few years ago. Our bank accounts were being maxed out and to pay our bills we had to use our credit cards.

Mortgages & Remortgages

Buying a home and getting a mortgage is a huge financial commitment whether you are a first time buyer or whether this is your second or third home.

Dealing with depression and debt

It was recently suggested by the BBC that over the last four years prescriptions for anti-depressants have risen by over 40% due to people struggling with debt and with job worries fuelled by our current economic problems.

What is a Full & Final IVA

If for whatever reason you have received a sum of money, no matter how small or large, you may be able to use that to pay your creditors in a Full & Final IVA. Today I am going to explain…

Hiding Debts From Your Partner?

Whether the debts built up before you met your partner, or whether the debts occurred when together, hiding something from your partner can put immense strain on your relationship.

Weekly Debt Question

Can a bailiff force entry into my property?

Weekly Debt Question

I am already in debt; I might as well take out more credit.

Weekly Debt Question

If I ignore my debts, they will go away?

What is a Trust Deed?

A Trust Deed is a voluntary, legally binding agreement between you and your creditors and deals with only unsecured debts.