Help to Find Debt Solutions that Work

On February 14, 2013, in News, by Lewis Alexander
  • credit report UK from ExperianAre you struggling to find debt solutions that work?
  • Getting confused by advice you have received about different debt solutions that could actually work for you?
  • Do you need professional, trusted, reliable and reputable financial help to select a debt solution that WILL work for you?

At Lewis Alexander Financial Management we help people daily to consolidate debt problems via personal debt solutions that are suited and then tailored to their personal needs.

Not every debt consolidation company or service will operate with the consumers’ best interest at heart. This can create problems for consumers that do not educate themselves correctly regarding their situation as they can be mislead by debt advisors that are not offering the best advice, especially if the debtor has too many payday loans because they are more vulnerable and in need of a quicker solution!

Debt Solution Finder

Fortunately, the personal debt consolidation industry has cleaned itself up somewhat over the last ten years and most large operators within the industry do operate a best advice model for the consumers they serve. The OFT or Office of Fair Trading has been responsible for setting out guidance that both debt management and debt collection companies respectively have to adhere to. These companies are required to adhere to the guidance set out in order to continue to comply with ongoing compliance when carrying out licensed activities.

  • To select a personal debt solution that can work for you, it is important to find a company to take advice from that has a proven track record.

It is also very important to make sure that you are prepared to accept some advice that you may not like or wish to hear. Usually when faced with financial problems, the actual best financial solution that can assist you tends to be the one you don’t prefer or that you have tried to stay away from as much as possible for one reason or another.

Most personal debt solutions that work do so for two main reasons;

  • 1) The debt solution company selected does what it says it will do for the consumer.
  • 2) The consumer does what the debt solution company expects of them!

When we questioned internally at Lewis Alexander one of our most established and time served financial management consultants, we asked him why he thought debt solutions he advised people on some ten years ago actually worked for the clients that selected them.  The simple answer we got was that he believed that any client that had been committed and remained so to helping themselves, had actually cleared the debt problems they had via the solution they initially selected post the advice stage.

It really is quite simple; most debt consolidation companies that operate compliantly, can and will get an individual out of a debt problem they face.

Debt solutions that have and continue to work for clients of Lewis Alexander Financial Management are as follows;

It can be very confusing when you have to select a personal debt solution that works. This is even more difficult when you actually qualify for two or more solutions. You are then at the mercy of the quality of advice you have received which should hopefully enable you to make a correct and informed decision.

Personal Debt Test

Whether you live in England, Northern Ireland, Scotland or Wales, there is a personal debt solution available that will work for you.

The UK government has approved schemes in place to help people struggling with debt problems such as the IVA or Debt Relief Order and Bankruptcy.

If you require help to find a debt solution that will work for you, please call our Lewis Alexander debt helpline in absolute confidence and speak with a personal debt advisor who can assist you to start an organised, financial future.

  • Call Free: 0800 018 6868
  • Lines are open 24hrs / 7 days
  • Calls to our 0800 number are usually free from UK land lines
  • Call costs from mobiles may vary!
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Clear and Consolidate Personal Debts without a Loan

On September 4, 2012, in News, by Lewis Alexander

free credit report UK from ExperianMost solutions available to clear debts do not require the consumer to take out another loan or increase borrowings any further, most are personal debt solutions designed to help those that have previously or recently been refused credit and in particular those that have been refused a debt consolidation loan.

The following is a short list of the main debt solutions available and commonly used that help people to consolidate or clear debts without a loan.

Debt consolidation loans will require you to go further into debt to try and get out of it!

Monthly repayments with a new debt consolidation loan may end up being lower when compared to those minimum payments that you are presently used to paying each month.

Personal debt solutions such as those mentioned above (excluding debt consolidation loans) do not require the consumer to go through any credit check process to be accepted. Acceptance is based on the best solution at the time and each case file has a disposable income which dictates what is the best solution for that individual to explore.

If you have been trying to consolidate personal debts without a loan and have become confused with financial advice you have taken, please call our personal debt helpline today, all calls are dealt with in absolute confidence.

We are specialists in helping people who have been refused a loan to clear and consolidate personal debts without having to increase their borrowings any further. This also applies to people with too many payday loans.

We help people in debt who are experiencing all different types of changes in personal circumstance to consolidate debts without a loan.

These include but are not limited to;

At Lewis Alexander Financial Management, our debt advisors and personal debt consultants have helped numerous UK residents over the last decade to clear and consolidate personal debts without another loan in the UK.

  • Call 0800 018 6868
  • Lines are open 24 hours / 7 days
  • Calls from a UK land one are usually FREE
  • It may be less expensive from a mobile to call 0161 872 3383
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Ways to find debt help and advice

On June 15, 2011, in News, by Lewis Alexander

free credit report UK from Experian

Information about how to find ways to clear personal debts through debt help and advice?

  • Are you unable to meet your credit card or loan repayments?
  • Are you ignoring your mail and telephone calls?

Find debt help and advice that you may need to clear your personal debt online. There are a number of ways to clear your debts which we have provided links below to explain in greater detail.

  • Contact a debt advisor today by calling a recognised company using a free phone number!
  • Ask people you can trust for advice, you may be surprised who is struggling!

Help is available as we state above to find personal debt solutions that can assist you to clear your debts. A personal debt problem is often not unique, at Lewis Alexander we can offer you help with debt problems and the debt support you may need today.

In England, Wales and Northern Ireland the IVA or Individual Voluntary Arrangement is a very useful debt management tool which helps many people through difficult personal debt problems. An IVA, however, does not apply in Scotland. In Scotland there is the Protected Trust Deed which does essentially the same job although it does have some differences. The main difference between a ‘Trust Deed’ and an ‘IVA’ is the length of time one stays in force. An IVA usually lasts for 5 years whilst a Trust Deed usually lasts for just 3 years. Most of the other aspects of the Trust Deed are the same as an IVA.

  • Interest and Charges are usually stopped with an IVA and Trust Deed.
  • You only make one monthly repayment with a Trust Deed and IVA.
  • Creditors letters and telephone calls usually stop with an IVA and Protected Trust Deed.
  • Court proceedings and bankruptcy can be prevented with an IVA or Trust Deed.
  • Once you finish the term of the agreement you will usually be deemed clear of debt.

An IVA or Trust Deed is a legally binding agreement and there may be consequences if you fail to adhere to terms set out in the agreement. If a Trust Deed is either not suitable or is not possible, then in Scotland you may apply for the Scottish equivalent of Bankruptcy known as Sequestration or enter into a Debt Management Plan if suitable.

Find debt advice to help you get out of a debt problem

Finding reliable debt advice is not the easiest thing to do sometimes because you trawl a pile of websites and then you still need to talk to someone to see if that company is going to be able to help.

If you have personal debts and are trying to find help or advice about how to deal with them, we can help. We have helped many people to re-organise or clear debts completely.  These people all chose us because they got reliable and straight forward debt advice in the first instance from us.

  • Are you feeling overwhelmed by credit card bills?
  • Do your catalogue bills just seem to get bigger?
  • Are your store cards a burden?

These are common thoughts for people starting to struggle with their debts. It can then lead on to bills not being paid, then the creditors start chasing for payment and interest and charges start to accumulate on each account not being paid. This description is over simplified perhaps but it happens every day in the UK.

  • We can help you find personal debt solutions available to assist you in getting back on track.

If you have debt problems you will know that life events are often the cause or the catalyst. Many people go through something in their life like an illness or a divorce perhaps, then suddenly find themselves sliding into debt. If you fit any of those types of groups, we could find tailored debt help to suit you.

Debts can be sorted out!  The longer you take to face your debts, the longer they take to sort out. Act today, you could be one day closer to being clear of debt.  The Internet, television and press are full of adverts and articles about how to find debt advice as personal debt has become an enormous problem in the UK.

If you have found yourself in a position recently where you’ve felt that money is the only thing you seem to think about and about how on earth you are going to pay those bills. Well, take five minutes out of your day, give us a call and then see if we can give you a debt management solution to get you through your debt problems for the long term.

Further down the line of personal debt trouble, there are things that may start to be a threat or may even take place that indicate how serious your situation has become. Please do not fall into the age old trap of ignoring your debt problems, they will not go away by burying your head in the sand.

  • There is NO SHAME in getting yourself into DEBT
  • Don’t be the person who ignores it and makes the problem worse making it harder to get out of.

There are lots of things that can be discussed and implemented confidentially with you before you get anywhere close to having to go through any of the above outcomes. Your situation is likely to be one that we have come across before which means we won’t be shocked. There is personal debt help available and you will not be judged.

  • To find out how or if we can help you start to clear your debts, call free from a land line today using 0800 018 6868.
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