Personal Debt Consultants, depending on your circumstances, I can offer various solutions to your situation. Debt Management Plans A debt management plan is an informal agreement between you and your creditors where you agree to make an affordable monthly payment to repay your unsecured debts. I will assess your income and outgoings and ultimately prove to your creditors that you cannot meet all of your payments. I will then negotiate and agree a new affordable monthly payment. Individual Voluntary Arrangement (IVA) An IVA is a legally binding arrangement with your creditors which allows you to repay your debts in affordable monthly payments over a period of time, usually 5 years. An IVA can stop any of your assets being taken into possession by your creditors. Unfair Credit Credit Agreements must comply with a host of legislation and it is a very heavily regulated agreement. Specifically they must meet the legislation of the Consumer Credit Act of 1974, 2006 and Unfair Relationship legislation. These acts look specifically at: Consumer Credit Act 2006 Unfair relationships PPI Miss-selling Secret Commissions If you have credit agreements they may be unfair or unenforceable.

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Personal Debt Consultants are listed in; Lancashire Business Directory : Bolton Business Directory : Debt Advisors Directory : Debt Advisors in Bolton : Debt Advisors in Lancashire