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E-insolvency provides FREE CONFIDENTIAL and INDEPENDENT ADVICE on how to deal with debt problems.

So that we can provide you with the best possible advice. You can be confident that the advice you're looking for is targeted to your particular situation.

All the information and advice available on this site is free of charge and provided by trained debt advisers.

Contacting E-insolvency for advice

You can also phone us on 0800 074 6918

or complete the form on the left side of the page and we will call you back for advice.

Budgeting

How to work out a budget to make sure that your income is more than the amount of money you spend

Dealing with debt problems

How to deal with debt problems by establishing priorities, setting a personal budget, talking to creditors and getting impartial and independent advice

Which debts to pay off first

Information on prioritising debts and what might happen if you ignore your debts

Ways out of debt

How to get out of debt by increasing your income, reducing your spending and coming to arrangements with creditors

What Debts we can E-insolvency help with

• Loans
• Credit Cards
• Store Cards
• Overdrafts
• Catalogues
• Secured Loans
• Hire Purchase
• Student Loans
• Mortgages
  

Debt Management or IVA

Whether you are Looking for advice on your debts through a debt consolidation solution or debt management plan or IVA. We can assist you deciding which option is best for you.

Debt Management questions

E-insolvency can answer all your debt management questions. A Debt management plan is an arrangement between yourself and a debt management company who agree to supervise and distribute your debt repayments to your creditors.

A Debt Management Plan could be the answer

A Debt Management plan is a debt solution for anyone who has unsecured debts that they can't afford to repay. A DMP requires you to have a surplus income each month (money left over after you have paid all of your living costs and household bills from your income) and owe money to more than one creditor.

What is a Debt Management plan?

The Debt Management Programme could be an ideal way to turn your loans, credit cards, store cards and overdrafts into one affordable, single monthly payment so that you can pay off your debts and get on with your life.

What is a an IVA?

• A legally binding way to reduce the amount that you pay back
• A way to stop any further interest charges
• A way to reduce your monthly repayments
• This means more money in your pocket at the end of the month
  

What is bankruptcy?

Bankruptcy is an option that often has to be considered when an individual cannot pay their debts as they fall due. A first time bankrupt with debts will generally receive their discharge one year after the date of the bankruptcy order.