Mortgage repossession
If you`re worried about mortgage repossession, you`re not on your own. In 2009, the Council of Mortgage Lenders (CML) expects around 75,000 properties (representing around 0.66% of all mortgages) to be repossessed.
IVAs across the UK
An IVA (Individual Voluntary Arrangement) is a form of insolvency which can help people in some parts of the UK reduce their monthly expenses and write off the portion of their debt that they can`t realistically expect to repay in a reasonable period of time.
Debt consolidation help
Dealing with multiple debts can be stressful and confusing. Managing your finances can be complicated when you have several payments to different creditors going out each month - but there is help available.
What types of debt can an IVA include?
An IVA (Individual Voluntary Arrangement) is a legally binding agreement which can allow borrowers to write off the debt they can`t afford - the debt they have no realistic chance of repaying in a reasonable time.
Are secured loans for homeowners still available?
In a word: yes. Secured loans are still very much available for homeowners - but that doesn`t mean every homeowner will be able to find one. If you`re looking for a secured loan, start by asking yourself these three questions...
Loan for debt consolidation
Loans can be for all kinds of purposes - funding home improvements, for example, or holidays - but if you have multiple debts that you would like to make more manageable, taking out a loan for debt consolidation might be the answer.
Is an IVA better than bankruptcy?
Is an IVA better than bankruptcy? The only real answer is `sometimes`, as it depends on the individual in question: not just how much they owe, but a whole range of other factors...
Mortgage arrears and debt
When money`s tight, it`s all too easy to fall behind on debt repayments and end up in arrears on some of your debts. It`s a bad idea with any debt (as it can damage your credit rating, incur fines and lead to legal problems) but some kinds of arrears, like mortgage arrears, are simply worse than others.
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