Free confidential debt advice

FOR IMMEDIATE RELEASE
(Free-Press-Release.com) June 3, 2010 --

We can give anyone free advice on any debt related subject, just go to our website and fill in a quick form and we'll give you a buzz back, or, if you'd prefer to talk online, you can e-mail us instead at; info@debtline-direct.com. We also are highly trained in debt relief solutions, so, if you're thinking about consolidating your debts into one affordable monthly payment we can organise that for you. We also can set up IVAs, trust deeds (Scotland only) and bankruptcy arrangements. No matter how little or large your debt we can sort it. There's no need to worry any longer about nasty creditors' demands, endless phone calls and letters and threats piling up - we can take all that away if you embark on our debt management plans. So, come to www.debtline-direct.com and let us help you and regain control of your finances once more.

Your monthly payments could be from as little as £50 per month

* Debt Management Program is designed to lower your monthly debt repayments to an affordable amount and help you become debt-free, without the need for further borrowing
* Debt Management Plans can stop interest and charges once a payment plan has been agreed with your creditors
* Using Full & Final Settlements, you could write off up to 90% of your debt
* It's suitable for most people whether homeowner or tenant, employed or unemployed

You can start your Debt Management plan today

Click here to begin your plan – you’ll need a few details to hand:

* Your monthly income
* What your main monthly living expenses are
* Who you owe money to, and how much.

Don't worry if you don’t have exact figures – just complete as much as you can at this stage.
Your questions about debt management answered

Q. How much does a debt management plan cost? A. A Debt Management Plan is designed around your individual circumstances. Your new monthly payment is based on what you can realistically afford to repay. Plans start from £50 per month. Q. How long does a Debt Management Plan last? A. This really depends on how much you owe – it could be a few months or years. It’s important to remember than your circumstances will probably change during that time. The advantage of a Debt Management Plan is that it is flexible, so you’re not tied into paying too much or too little. Q. Will my creditors definitely agree to a Debt Management proposal? A. Your creditors will know what a Debt Management Plan is – 1000’s are arranged each week in the UK. With the use of a professional Debt Management company, they know that the proposal is based on your true circumstances, following a thorough financial review. Q. How do you choose the best advisor? A. We work with a team of financial solutions companies – we’ll select the most appropriate organization for you based on the details you enter. All our partners are carefully chosen and all of them have a Consumer Credit Licence, issued by the Office of Fair Trading.


Is an IVA (Individual Voluntary Arrangement) right for you?
If you’re struggling to meet all your monthly debt repayments, an IVA may be right for you. In order to qualify, you must:

* Owe at least at least £15,000 of unsecured debt to at least 3 different creditors
* Be able to make significant monthly contributions into the IVA, for a fixed period of 60 months
* Have a regular income, that is not solely benefits-based

With an IVA you will:

* Have part of your debt written off and pay what you can afford

* Have interest and charges frozen or stopped
* Have all letters and phone calls stopped from your creditors
* Have a single monthly payment

Your questions about IVAs answered

Q. How long will I have to pay on an IVA?A. An IVA will typically run for 60 months (5 years). However, if you have any equity in your home, this may be extended. Q. Who can apply for an IVA? A. People who owe over £15,000 of unsecured debts, to three or more creditors may be eligible. However, you have to pay back a minimum amount into the IVA, so people with a low monthly disposable income may not qualify. If you could afford at lead £200 per month, you may qualify.Q. How is an IVA set up? A. An IVA has to be proposed by someone called an Insolvency Practioner (I.P), who is basically an accountant. An IVA proposal is then made to all of your creditors. If the majority of them agree to the proposal, the IVA will go ahead. Q. . How do you calculate what I pay? A. There is a minimum payment per month based on income and the level of debt. The payment must be affordable for an IVA to be accepted.

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