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Debt Solutions England


County Court Administration Order

An administrative order is a legal debt settlement agreement that sets out a repayment plan. This form of debt solution will consider the income you have remaining after your essential bills and living expenses have been accounted for.

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Arranging payment with creditors

If you’ve fallen behind with your repayments, you may be able to come to a debt settlement repayment agreement with your creditors. You can make a debt settlement proposal by phone, email or letter, but however you contact them, you’ll need to put forward an offer as to how much you can repay.

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Breathing Space Scheme

The Breathing Space Scheme provides protection from further interest, charges and enforcement action on debt problems for a period of 42 days, while debtors seek advice.

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Equity Release

Equity release is an alternative to remortgaging for those aged 55 and over. Choosing an equity release from among your possible debt solutions can act as debt consolidation.

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Government Debt Advice

The four core government debt advice solutions, as listed on the Gov.UK website, include Debt Management Plan, Administration Order, Individual Voluntary Arrangement, Debt Relief Order or Bankruptcy Order.

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Government Debt Help

Searching for Government debt help? Like one of the many indebted Brits out there, you may have hoped that the Government provides some form of free debt solution.

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Debt Management Plan

As many as 8.3 million Brits are currently unable to repay their debts – a figure that includes credit card debt which has surged by 8.1% over the past 12 months. Reassuringly, however, those in the UK enjoy some of the widest range of Government debt management schemes in the world.

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Government IVA

A Government IVA could provide you with the promise of a debt-free future. Here’s everything you need to know.

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Insolvency simply means that you’re unable to repay your debts at the required time.

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A remortgage is where you take out a new mortgage on a property that you own. The new mortgage either replaces an existing mortgage or (where the property is 100% owned) allows you to borrow funds against the property.

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Selling assets

If you have debt problems that are significant, or where you’re facing spiralling charges and interest, it may make sense to sell your assets to repay your debts – whether in part or in full.

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Sequestration Scotland Bankruptcy

Sequestration is the official term for bankruptcy in Scotland. Sequestration Order is a type of insolvency suitable if you’re dealing with debts that you would not be able to repay within a reasonable amount of time.

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Settlement offer to creditors

Debt settlement involves a lump sum of cash that is used to repay your creditors. The process involves negotiating ‘full and final settlements’ from those you’ve borrowed from.

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Surrendering property

If you can no longer maintain the payments on your mortgage, you should contact your mortgage lender in the first instance to inform them of the situation, asking for help in selling your property. Prior to this, you may want to talk with debt advisors from a longstanding debt agency, as they may be able to provide housing advice.

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Temporary repayment plan

If you reach a point where you can no longer repay your debts, whether owing to the total you now owe or if your situation changes, you could be able to organise a temporary repayment plan.

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Individual Voluntary Arrangement (IVA)

An Individual Voluntary Arrangement (IVA) is a form of debt settlement. It allows you to repay your debts over a period of time, after which any remaining amounts owed will be written off.

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Debt Management Plan (DMP)

A Debt Management Plan (DMP) is a debt solution with a repayment schedule that fits in with your income and expenditure.

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Debt Relief Order (DRO)

What is DRO? A DRO is a type of insolvency, had a duration of 12 months after approval. This period is known as ‘moratorium’, during which time you won’t be required to make any repayments.

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Bankruptcy should be considered as a final debt solution once all other avenues are exhausted. While bankruptcy writes off your debts, there are serious implications that will affect you for a minimum of six years, so consider debt help services from a reputable debt agency in the first instance.

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Debt consolidation

Consolidating debts usually involves taking out new lines of credit to combine and repay your existing debt, using a personal loan or credit card, for example. If you consider this debt solution, you may want to seek advice from debt experts to find the right forms of lending and the correct debt consolidation approach.

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Minimal Assets Process (MAP)

The Minimal Asset Process (MAP) is a form of unsecured bad debt help available to debtors in Scotland who have a low income, with no money left over following the payment of essential living costs (e.g. your rent, utilities and council tax).

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Debt Arrangement Scheme (DAS)

The Debt Arrangement Scheme (DAS Scheme) is a debt assistance tool managed by the Scottish Government. A debt payment programme (DPP) acts as an official tool to allow you to repay your debts over a reasonable time frame, in affordable repayment amounts.

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Trust deed

A Trust Deed is a legally binding debt solution in Scotland (equivalent to an Individual Voluntary Agreement in the remainder of the UK). The debt settlement agreement sets out affordable repayments which are made over a period of 4 years, after which time your remaining debts will be written off.

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