Debt Help & Advice
Our UK Insolvency Practitioners have over 70 years’ collective insolvency experience and we understand the impact debt can have – not only on you, but also on your family, friends and loved ones. We recognise how stressful being in debt can be and how it can make you feel.
That’s why you can be sure that our advisors will be friendly and polite when you get in touch and most importantly, they will never judge.
We’ve helped tens of thousands of people over the last 10 years, writing off as much as 85% of their original debts. We know how important it is to find the right solution for your circumstances to clear your debt and take back control.
A personal approach to debt
We know that everyone’s situation is different. That’s why we don’t use a one-size-fits-all solution. By looking at your circumstances, we tailor our service to fit your situation.
One of the advantages of working with Creditfix is that companies of our size and experience work with creditors on a daily basis. We know what they will and won’t accept, meaning we can give you detailed advice quickly.
Debt help & advice – what we offer
We offer a range of free impartial advice and can provide two main solutions to help you manage your debts.
- Individual Voluntary Arrangement (IVA) (England, Wales and Northern Ireland)
- Protected Trust Deed (Scotland only)
With these arrangements we work with your creditors to establish what you can afford to pay each month rather than the full amount.
These are five, and four years long respectively, and so long as you make your monthly payment at the end of the arrangement, all of your remaining unsecured debts will be written off.
One thing to remember is that all of our advice is always free and confidential- you might decide to pursue an alternative, less formal solution, such as a Debt Consolidation Loan. If you enter into one of the solutions above, though, we provide fees are paid to us out of the monthly contributions you make. You can be sure that when you work with us and discuss your situation with an advisor that it is with the highest levels of confidentiality.
With your permission our staff will look into your situation by completing an income and expenditure check to find out what you can reasonably afford to pay back.
I need debt help now, what can I do?
If you are struggling with debts and don’t know what to do simply fill out the form above and one of our advisors will be in touch to talk through your situation.
If you are facing financial problems and dealing with creditor hassle, give one of our advisors a call on 0808 253 3444 for immediate and confidential advice, alternatively fill in the form above and we can give you a call back.