Personal Debt

If you are struggling to manage your personal debt, there are a number of possible solutions available to you. 

How It Works

You will have an initial consultation with one of our team where we will discuss your circumstances. We will then outline what solutions we think may be available to you.  Providing you would like to proceed, and after regulatory requirements have been met, we will then take over correspondence with your creditors and begin negotiating towards an agreed solution.

Common Solutions Available:

• ARA – Alternative Payment Arrangement
• Restructure – A restructuring of the debt owed
• Voluntary Surrender – Where a property is handed back to the mortgage provider 
• Consent to Sale – Where consent is sought from the mortgage provider to sell a property
• Settlement/Write down – Where a debt is settled for an amount different to what is owed.