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Millions of people across the country know this feeling: you are in debt, and suddenly your debts are beginning to generate their own debts.

Before long, you are juggling multiple debtors, each with different, complicated agreements but each demanding crippling interest rates. Simply keeping up with what is owed to whom is tiring enough, let alone trying to scrape together the means to actually pay those debts off. Soon enough are drowning and don’t know what to do.

At financial health clinic, we are committed to helping change this system, so that you can get your head back above the water. We offer expert debt consolidation services meaning you can transfer all your debts into one easy, affordable monthly payment on a 0% interest free rate.

BUT THAT’S NOT ALL.

We understand that every individual comes to us with different circumstances, and every set of debts is specific to that individual. For that reason, our experts provide bespoke consultation and advise you on the wide range of debt consolidation options available to you. This involves calculating the true value of your debt, taking into account your income and personal circumstances and formulating a strategy as to how best to approach your debt.

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Among the options are Individual voluntary arrangements, Debt Management Plans, a Debt Arrangement Scheme and Debt Relief Orders. We also offer our own 0% interest Debt Consolidation, allowing you to simplify your debt into a single, affordable monthly payment.

Depending on your particular needs, each offers its own benefits. But regardless of your specific needs, our consultants will be there every step of the way to provide the support and guidance you need to ensure you debt is dealt with in the most efficient and favourable way possible.

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This is a legally binding agreement .

5/6  years legal protection from creditors.

Stops  all creditor contact no more letters calls or text

Freezes all interest and charges for 5 years.

One monthly payment based on your affordability.

All debs cleared after 60 monthly payments are complete.

Up to  80% of debts can be written off.

Certification of completion shows all debt are satisfied.

Once you enter an IVA, creditors can take no further action against you and can’t contact you directly.

At the end of the IVA the remaining debts are written off and you are debt free and can look forward to a debt free life.

Peace of mind debts are under control and not escalating.

Regulated by the Insolvency Practitioners Association.

This is a legally binding agreement .

4/5 years legal protection from creditors.

Stops  all creditor contact no more letters calls or text

Freezes all interest and charges for 5 years.

One monthly payment based on your affordability.

All debs cleared after 48 monthly payments are complete.

Up to  80% of debts can be written off.

Peace of mind debts are under control and not escalating.

Certification of completion shows all debt are satisfied.

Once you enter an Trust Deed, creditors can take no further action against you and can’t contact you directly.

At the end of the Trust Deed the remaining debts are written off and you are debt free and can look forward to a debt free life.

Only for Scottish Residents

Regulated by the Insolvency Practitioners Association.

This is a flexible informal arrangement between you and your creditors offering them one consolidated payment split between them.

Interest and charges can be requested to be frozen from the creditors.

Can stop letters and contact from creditors and debt collectors.

Debts are paid in full over a period of 1-12 years

Flexible affordable payments as your income changes.

You can go directly to creditors , use a free charity  service or go through a private company.

Peace of mind debts are under control and not escalating.

DAS – Debt Arrangement Scheme

This is a  legally binding agreement between you and your creditors offering them one consolidated payment split between them.

Interest and charges are legally frozen for the duration of the plan.

Can stop letters and contact from creditors and debt collectors.

Debts are paid in full over a period of 1-12 years

One flexible affordable payment  as your income changes.

You can go directly to creditors , use a free charity  service or go through a private company.

Peace of mind debts are under control and not escalating.

Only available to Scottish residents.

An administration order (AO) is a formal and legally-binding agreement between you and your creditors to pay back your debts over a period of time.

What is an administration order?

An administration order is a formal, legal debt solution which means it’s approved by the court and your creditors have to stick to it.

To get an AO you must have:

debts that are no more than £5000 in total

an unpaid county court judgment (CCJ). This includes a traffic penalty registered for enforcement in the Traffic Enforcement Centre at Northampton County Court.

two or more debts.

If you don’t have a county court judgment and you want an administration order you will need to wait for one of your creditors to take court action against you. As soon as judgment is entered you can apply for an administration order.

A debt relief order (DRO) is a way to have your debts written off if you have a relatively low level of debt and have few assets. If you qualify, our specialist DRO team can apply to the Insolvency Service for you. Debt relief orders are not available if you live in Scotland.

A DRO freezes your debt repayments and interest for 12 months. If your financial situation hasn’t changed at the end of this period then all of the debts included will be written off. As we’re an approved organisation, we can help you apply for a DRO if you’re eligible.

If you’re in severe financial difficulty and are considering going bankrupt, you’ll probably have lots of questions about it. Here we’ll tell you more about what bankruptcy is.

Bankruptcy works differently depending on where you live in the UK. If you live in England, Wales or Northern Ireland the information below outlines the bankruptcy process.

When you go bankrupt almost all of your debts are written off. Deciding to go bankrupt is a big step that involves fees and can impact different areas of your life, such as your job or home.

For information please fill out an enquiry form or pop us a message on the chat service

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