Disposable Income

Keeping you informed.

I have now added Debt Management Plans to my portfolio of services.

I am now able to help individuals who are in financial difficulties. With a Debt Management Plan, it could save a person from going through insolvency, bankruptcy, or losing their home.

A debt Management plan aims to, re negotiate repayments to your creditors, leaving you with more disposable income.


Debt Management Plans

Who have overstretched themselves with credit cards, loans or overdrafts.
Whose monthly expenditure now exceeds their monthly income
Who are using credit cards to pay off other debts or to pay for items they previously bought with cash
Who have had a consolidation loan refused
Whose circumstances have changed due to a divorce, separation, bereavement, loss of job or overtime
Who feel like no one is listening

Individual Voluntary Arrangements (IVAs)
It is a formal arrangement with your creditors and has the following benefits:

Your home is protected from further action by creditors
You can repay your debt in affordable monthly instalments
Your creditors cannot charge any further interest and charges ..and With your creditors' agreement you can write off a proportion of your debt.

Debt Management plans are available for Companies, and Partnership
Company Voluntary Arrangements
Partnership Voluntary Arrangement.