Help with Debt
Debt Help & Advice
Being in debt can have a big impact on not just your life, but also on the lives of your family, friends and loved ones. It can be stressful and scary, causing thousands of people to suffer from anxiety or depression.
But it doesn’t have to be this way.
Here at Creditfix we understand that this can happen to anyone. That’s why you can be sure that our debt advisors will be friendly and polite when you get in touch and, most importantly, they will never judge.
We’ve helped over 100,000 people since we began 12 years ago, working with big companies every day and writing off as much as 75% of their original debts. We know how important it is to find the right solution for your situation to deal with your debt as quickly as possible.
We understand that everyone’s situation is different; that’s why we champion that there isn’t a one-size-fits-all solution for debt. By looking at the situation you’re in, we fit our service to suit you and provide you the best debt help and advice for your circumstances.
Debt help & advice – what we offer
All of our advice is free and confidential; we offer help with a variety of debt issues, from Bailiffs to Budgeting, and can offer you one main solution to help you manage your debts. More information on our fees can be found by clicking on the below links.
- Individual Voluntary Arrangement (IVA) (England, Wales and Northern Ireland)
With this solution, we work with the companies you owe money to and agree on a single affordable repayment for you to pay each month. Our advisors will look into your situation by taking all details of your circumstances, including your income and what outgoings you have, to work out what you can comfortably afford to pay back.
Unlike Debt Management Plans, an IVA will normally last five years. So as long as you make all your monthly payments and fulfil all other terms of your arrangement, all of your remaining unsecured debts included will be written off at the end.
There are fees for our services, which are paid to us out of your monthly payments to your arrangement, and you can be sure that when you work with us and discuss your situation with an advisor that it is with strict discretion.
You could also decide to pursue an alternative, less formal solution. We may not be able to set this up for you, but we can certainly point you in the right direction.
I need debt help now, what can I do?
If you are struggling with debts and don’t know what to do, contact us today. Simply fill out the form above or click the button to start a live chat and one of our debt advisors will be in touch shortly.
What information do I need to provide when requesting debt help & advice?
To help find the best debt solution for you as quickly as possible, it’s good to know your income, expenditure and details of your debts when you contact us. This will help us fully gauge your situation.
If you don’t think you know the details of all your debts, don’t worry – we can do a soft credit search in order to help.
How can I find details of my debts?
For the debts that you know about, check your most recent statements to find out the balances and reference numbers. If you don’t have these, you can contact the companies directly and ask them what the outstanding balances are.
If you aren’t sure who your creditors are, it can be an idea to get a copy of your credit report. Private companies will charge you for this, however, this could be as little as £2 for a paper copy, or possibly free, as part of a free trial.
Companies who offer this service include:
- Call Credit
What if I am self-employed and need debt help?
Being self-employed doesn’t mean we can’t help you. IVAs are ideal for self-employed people, as they can allow you to continue to run your business. We work hard to fit our services to suit your needs and will always do our best to make sure this happens.
What about my benefits?
It’s still possible to enter into an IVA if you’re on benefits, but you will still need to have money left over every month, after your outgoings to make payments. Read more about debt and benefits, here.
It’s also important to check that you are getting all the benefits you can as this will help to make sure that you’re not losing out on income and give you more money to live your life and repay your debts.
If you are unsure, try the government’s benefits calculator.
If you are dealing with debt and are constantly being chased for payment, give one of our advisors a call on 0808 253 3444. If you don’t want wait, fill in the form above so we can give you a call back or click the button below to start a chat.
Get help with any type of unsecured debt
We can help you manage debts with some of the biggest creditors in the UK.