Our Services
FREE DEBT ADVICE and NO UP FRONT FEES
Whether you are a home owner or a tenant, if you have financial problems, just one free call could guide you to financial safety. our advice could typically help clear around 70% of your debts, and reduce your monthly payments by 80%. All advice is free and we will introduce you to TOTAL DEBT MANAGEMENT SOLUTIONS which will put you on the road to Clearing your Debts and help you manage the Debt Problems for the life of the Debts with professional advice.
This is not a call centre but individual tailor made solutions, and we do not sell or offer more loans as a solution.
We can assist you with:
Debt management plans
These are suitable for applicants any age over 18 years with debts of £2000 or more with 2 or more different lenders.This is an informal arrangement where offers of repayment are made to creditors/lenders based on what you can afford to pay back with equal distribution to them based on the percentage of the debt owed.
The Debts are not written off but spread out over a longer period of time based on the amount that is affordable each month based on available income.Where possible any additional charges may be stopped if the lenders agree.
If for example you had a loan of £3000 and balances of £2000 on store cards and £3500 on a credit card your total debts would be £8500.This may be costing up to £400 a month so If you have been paying the minimum each month the balance will take many years to repay. If you have genuine debt problems you may qualify for a DEBT MANAGEMENT PLAN and subject to approval may be allowed to repay from £125 per month over a longer period of time making your debt more manageable. With FREE DEBT ADVICE and no UPFRONT FEE this may solve your problem. Contact us today The key to solving your problems is Debt Management
Arranging IVA solutions
We have access to many of the UK top IVA arrangers who offer a fast conclusion although speed depends on you as an applicant providing all the relevant information responsibly.
An IVA allows a person aged 18 years or older with substantial unsecured debts of £12000 or more to make a formal proposal to their creditors through an arranger.
If the proposal is accepted by the creditors the IVA becomes a legally binding contract.
Once an offer is accepted monthly payment are arranged based on what you are able to reasonably afford and is normally spread over five years.
In many cases the debts can be reduced by up to 70%.If you as the debtor adheres to the terms of the IVA the debt is cleared at the end of the arranged term.
The Benefit to this solution is that your assets such as home and car may be protected rather than go down the bankruptcy route where you lose your assets.No further interest or charges are added to increase the debts.
An IVA may be set up for employed and self employed applicants. An IVA may also be set up as one off lump sum. The key to solving your problems is Debt Management
If for example you had a PERSONAL LOAN of £14000 and a BANK LOAN of £9000 plus several credit cards with a total of £15000 your total debt would be £38000.This level of debt may be unmanageable due to your available income or circumstances changing. With FREE DEBT ADVICE and NO UP FRONT FEES increasing your debt it may be possible to arrange an IVA PLAN subject to affordability and your lenders approving. For example you may be able to repay
£300 per month over 60 months which would total £18000 therefore allowing the possibility of £20000 to be written off legally. To qualify for an IVA you would need to show genuine hardship sustaining your current level of repayments to your lenders. Contact us today
Debt restructuring from £3000 or more
Store Cards/Loans may be combined and if circumstances allow a new source of credit obtained subject to status. Maybe your borrowings have got to a level where the debts are likely to get out of control in the near future for instance total balances with 2 or more lenders of £5000 or even over £7000 on store and credit cards.
It may be possible to negotiate a DEBT MANAGEMENT PLAN If you are about to experience genuine problems repaying the debt. You could also consider a consolidation loan subject to status. Contact us today The key to solving your problems is Debt Management
Low interest re-mortgages
We have contact with companies who may be able to help subject to status.This may help restructure your borrowings at a lower interest rate and pay off debts but depends on your circumstances.
If your property has a high amount of equity it may be possible to obtain a better deal and release equity to repay and consolidate your debts giving you a better lifestyle and lower outgoings. This would be subject to status and you should be aware that your home could be repossessed if you fail to keep up repayments on a loan or mortgage secured against it. Contact us today
Mortgage arrears
If you are struggling with repayments and could be repossessed I may be able to help with a sell and rent back solution. The key to solving your problems is Debt Management
Avoiding bankruptcy
This should be a last resort and I will assist with looking for other positive options. However should Bankruptcy be the only option I can offer my services with completion of statement of affairs documents.
However this service will incur a fee payable prior to court attendance.
Satisfying creditors
Your Lenders understand that life is not always straightforward and you probably have genuine reasons why you are experiencing difficulty with repayments.
So if your debts have got out of control for genuine reasons and are from £2000 and under £12000 a DEBT MANAGEMENT PLAN may be the solution.
For higher amounts of debt for example from £12000,£25000 or even £50000 an IVA may be arranged with affordable monthly contributions subject to approval. With up to 70% of the debt written off legally and with no UP FRONT FEES to pay you could be debt free in 5 years.
You could also release equity into the plan at the start, in the future or use a windfall to help your situation, or even pay a lump sum into your IVA as a method of reducing the outstanding debt which creditors often find acceptable and shows responsibility on your behalf. Contact ustoday The key to solving your problems is Debt Management.
Reducing monthly repayments
Are your Monthly payments greater than your income, if they are then you need
DEBT ADVICE. Reducing monthly repayments will start to solve your debt problems if you owe £500, £1000, £5000, £20000 or £100,000s or more then contact us today.
Remember I can reduce your monthly payments by 80%.
Repaying store cards and credit cards
Store Cards/Loans may be combined and if circumstances allow a new source of credit obtained subject to status. Maybe your borrowings have got to a level where the debts are likely to get out of control in the near future for instance total balances with 2 or more lenders of £5000 or even over £7000 on store and credit cards.
It may be possible to negotiate a DEBT MANAGEMENT PLAN If you are about to experience genuine problems repaying the debt. You could also consider a consolidation loan subject to status. Contact us today
Secured loans - even if refused elsewhere
We are able to source this service from others if it helps your situation, however my aim is to help you reduce debt and We will not try to sell you a loan.
Unsecured loans - any status
These are normally expensive, however I am able to source this service if required and introduce you to others.
Avoiding repossession – sell and rent back your home
I have contact with a company with 20 years experience and this is of great help if you need to sell fast to pay debts, release equity, simply obtain fast cash.
You may also remain as a tenant if you wish and in some cases on an initial rent free period to help you get on your feet again.
If you are under threat of repossession this may also help, subject to the equity available in your home.I would also investigate other options available dependant on your circumstances.
We will provide free debt advice, and try to clear your debts with no fee, or reduce your debts by 70% and your monthly payments by up to 80%. Debt management and IVA plans set up with no upfront fees. We are based in Luton in Bedfordshire and cover Dunstable in Bedfordshire, and all surrounding areas including Hertfordshire and Buckinghamshire.Wealso cover London. solve your debt problems today
MONEY PROBLEMS SOLVED WITH FREE DEBT ADVICE.
Home Counties Financial Solutions is based in Luton and covers, Welwyn Garden City, St Albans, Potters Bar, Harpenden, Stevenage Hatfield, Bedford, Dunstable and all surrounding areas in Bedfordshire, Hertfordshire, Buckinghamshire,London and using our network of business colleagues I can provide all my services nationwide.
HCFS
T: 0800 612 6371
M
: 07954 162 522
E:info@debtfree4me.co.uk
