Debt Advice l Bank Accounts l Loans l Remortgages l Insurance l Car Finance - thinkmoney.com

IVA: the creditors meeting

Tue, 9 Feb 2010 10:45:39 GMT

If your debt problems have become so serious that you don`t think you`ll ever be able to pay off your unsecured debts, an IVA (Individual Voluntary Arrangement) could be right for you.

Full article: IVA: the creditors meeting
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Debt management - is it Government-backed?

Mon, 8 Feb 2010 14:1:1 GMT

There are a number of debt solutions that may be available to people struggling with their debts, and some are more formal than others. For example, there`s the formal, legally-binding IVA (Individual Voluntary Arrangement) - but a debt management plan (a less formal debt solution) might be more suitable for some people.

Full article: Debt management - is it Government-backed?
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Student debt guide

Fri, 5 Feb 2010 9:2:28 GMT

Student debt is a worry for many people. Many graduates are shocked at the amount of debt they find themselves in after university.

Full article: Student debt guide
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Is debt consolidation a good idea?

Wed, 3 Feb 2010 11:21:17 GMT

There are a range of debt solutions available, for people with various kinds of debt. For more manageable debts, one option is a debt consolidation loan: a new loan to pay off your existing debts, leaving you with just one monthly payment to deal with.

Full article: Is debt consolidation a good idea?
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Can an IVA help with unmanageable debt?

Wed, 3 Feb 2010 13:58:0 GMT

Dealing with unmanageable debt can be extremely difficult - but there is help available. When you call a debt adviser to discuss ways of clearing your debts, one solution they may recommend is an IVA (Individual Voluntary Arrangement).

Full article: Can an IVA help with unmanageable debt?
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Does debt consolidation always mean a loan?

Tue, 2 Feb 2010 10:32:14 GMT

Often, when people refer to `debt consolidation`, they are talking specifically about just one debt solution: a debt consolidation loan. However, the phrase `debt consolidation` can also be used to mean any debt solution that combines multiple debt payments into one (a major advantage of this is that managing one monthly payment should be much easier than making several payments).

Full article: Does debt consolidation always mean a loan?
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Help with debt management

Tue, 2 Feb 2010 11:7:54 GMT

There are a number of debt solutions, for people with all kinds of debts. Whether your debts are still manageable or completely out of control, there is help available.

Full article: Help with debt management
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Do I need to include all my credit cards on an IVA proposal?

Fri, 29 Jan 2010 11:57:38 GMT

If you`re considering entering into an IVA (Individual Voluntary Arrangement) and your Insolvency Practitioner (IP) agrees that it`s the right option for you, one of the first things you`ll need to do is work with your IP to draw up your IVA proposal.

Full article: Do I need to include all my credit cards on an IVA proposal?
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Debt consolidation alternatives

Thu, 28 Jan 2010 10:52:41 GMT

A debt consolidation loan can enable borrowers to make their debts more manageable by reducing their outgoings and simplifying their finances. In short, it`s a new loan taken out to pay off existing debts, basically combining these debts so the borrower starts making one monthly payment instead of many.

Full article: Debt consolidation alternatives
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Debt management plan: Do I need to contact my creditors?

Thu, 28 Jan 2010 11:24:39 GMT

If you`re struggling with unmanageable debts, you could find help in the form of a debt management plan.

Full article: Debt management plan: Do I need to contact my creditors?
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Debt Freedom Day 2010

Wed, 27 Jan 2010 14:24:21 GMT

Have you heard of `Debt Freedom Day`? It`s an interesting (if frightening) idea: it`s the day of the year on which `the average person` will have earned enough to pay for the interest on their debts - to say nothing of actually reducing the debts themselves.

Full article: Debt Freedom Day 2010
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IVA: advantages and disadvantages

Tue, 26 Jan 2010 9:50:52 GMT

Whether or not an IVA is right for you will depend on your individual circumstances. An IVA is only suitable, in most cases, for people who cannot afford to repay their debts within a reasonable period of time, but can commit to regular payments.

Full article: IVA: advantages and disadvantages
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Which debts can I include in a debt management plan?

Tue, 26 Jan 2010 10:2:39 GMT

In general, the answer to this is fairly simple: a debt management plan can directly cover non-priority debts (e.g. unsecured loans, credit cards, bill arrears, etc.), but it won`t cover your priority debts (e.g. mortgage, secured loans, etc.).

Full article: Which debts can I include in a debt management plan?
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IVA requirements

Tue, 26 Jan 2010 10:40:25 GMT

There are a few essential criteria that you will need to meet before you can enter into an IVA. Click here to find out more.

Full article: IVA requirements
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Debt management - advantages and disadvantages

Tue, 26 Jan 2010 15:0:50 GMT

If you find that you can no longer afford your monthly debt repayments, deciding what to do about it can be difficult. There are a range of debt solutions on offer, designed to help people in various circumstances with varying levels of debt.

Full article: Debt management - advantages and disadvantages
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Are there different types of IVA?

Mon, 25 Jan 2010 14:32:14 GMT

An IVA can be arranged in a few different ways, depending on your situation.

Full article: Are there different types of IVA?
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Debt management - the basics

Mon, 25 Jan 2010 17:1:55 GMT

A debt management plan is an informal debt solution. It involves making reduced monthly payments, based on what you can afford, over a longer period of time than originally agreed. It may also be possible to reduce or freeze interest and other charges, which can prevent the debt from growing and can enable you to repay the debt in the shortest possible time.

Full article: Debt management - the basics
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Credit card balance transfers: a good idea?

Thu, 21 Jan 2010 13:56:23 GMT

There are a number of things you can do to manage your credit card debts, and a popular method is a `balance transfer`: transferring your existing credit card balance onto a new card.

Full article: Credit card balance transfers: a good idea?
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The IVA process

Thu, 21 Jan 2010 14:32:28 GMT

If you decide to enter into an IVA, you will need to go through an application process. This begins with calling a debt adviser (or an Insolvency Practitioner - IP) to establish whether it is the right option for your circumstances.

Full article: The IVA process
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Make your home energy-efficient and save money

Wed, 20 Jan 2010 9:35:59 GMT

In this day and age, most of us feel some kind of responsibility towards the environment, and part of that involves doing what we can to save energy.

Full article: Make your home energy-efficient and save money
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