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Guides Archive - 04/2009
Car Finance Guide
28-April 2009
As the global auto industry is in turmoil, now may be the perfect time to snap up a great car loan rate on a new or used car. News is spreading of a massive downturn in sales, and car dealers are desperate to move the cars off the plot.
Debt Solutions Guide
17-April 2009
Getting into debt is easy and we know that debt can be stressful. Getting out of debt isnt always so straight forward and looking for debt help can be confusing. Dont panic. There are lots of organisations that can help you with your debt problem. Our free impartial debt solutions guide is designed to help you understand the debt help options available to you.
Getting Started with Debt Help
17-April 2009
Debt can easily spiral out of control. When faced with debt problems one of the most common mistakes is to try to avoid tackling the subject.
Debt Consolidation Loans
17-April 2009
Consolidation means to merge into one and debt consolidation is a way of merging all of your debts into one payment.
Debt Management Plans
17-April 2009
A debt management plan or debt management programme as it is sometimes referred to, is a form of debt consolidation. It is basically a way of consolidating your outgoings into one lower monthly payment without taking out a cash loan.
Individual Voluntary Arangements
17-April 2009
The term IVA stands for Individual Voluntary Arrangement. IVAs are available in England and Wales and can stop creditors from starting bankruptcy proceedings and potentially write-off a proportion of your overall debt. The Scottish equivalent of an IVA is a Trust Deed.
Scottish Trust Deed
17-April 2009
A Trust Deed is a legally binding voluntary arrangement to allow consumers to write-off a proportion of their debt and avoid bankruptcy. A Trust Deed is only available in Scotland and is regulated under The Bankruptcy Scotland Act 1985.
Bankruptcy
17-April 2009
Bankruptcy occurs when your liabilities are greater than your assets; basically when you cannot pay your debts as and when they fall due. There are three ways to be made bankrupt.
Not For Profit Organisations
17-April 2009
The following are not for profit organisations that will offer free, confidential, impartial advice on debt help and debt solutions.