Arrears: how can Think Money help?
The sooner you ask for professional help and advice, the easier it should be to settle your arrears. But why should you talk to Think Money?
The finance solution for you
At Think Money, we’ve helped many thousands of people get out of debt and get on with their lives. So we know that everyone’s situation is different. That’s why we provide:
- A comprehensive range of financial solutions
from managed bank accounts and debt management programmes to loans, mortgages and IVAs – all tailored to your individual needs. - The personal touch
dedicated professionals who get to know you and help you every step of the way – they’re on call whenever you need them.
Whatever your situation, we can probably help, whether you’re:
- In arrears (mortgage, council tax, utility bills…)
- Under pressure from creditors
- Worried about increasing mortgage costs
- Watching your credit card bills grow
- Ignoring some debts to pay off others
- Struggling to afford essential repairs
Our solutions
Even if you have arrears, no proof of income or CCJs, we could have the ideal solution for you.
Just phone our freephone number and one of our expert advisers will go through your situation with you and see how we could help. We’ll also give you free professional advice on your arrears so you know exactly what your options are.
Are you ignoring some debts so you can keep up with others? Did you know it’s possible to:
- stop demands from your creditors
- reduce or freeze interest and charges
- make just one affordable monthly payment
… without taking out a loan?
With our Debt Management Programme, you can get your unsecured debts under control, so you can focus on your mortgage and any secured debts you may have.
It isn’t easy paying for a house or flat, but sometimes your home can help pay for itself! There might be a lot of money tied up in it – so how do you free it up?
A remortgage or secured loan from Think Money could be the answer to your problems. We’ll help you turn your equity into cash, so you can pay off your debts in one go.
Individual Voluntary Arrangements (IVAs)
If your unsecured debts are around £15,000 or more, an Individual Voluntary Arrangement (IVA) could be the best solution for you. It’s a legally binding agreement between you and your creditors:
- You agree to pay back as much as you can for a fixed period (usually 5 years)
- They agree not to take any legal action – and to write off whatever’s left when the IVA’s finished.