Get out of Debt
People find themselves in debt for a wide variety of reasons. Maybe you lost your job, suffered an unexpected illness or got into debt because of extortionate credit card interest rates. Everyone's circumstances are different and so no one solution will be suitable for all.
Whatever the reason, it sucks, right.
No matter how bad your financial difficulties, we hope to offer advice and information that helps you to find a way through the financial quagmire that suits you and your particular circumstances.
Read through the articles presented on this site to find out which solution is appropriate for you and find out where you can seek help and what you need to do next.
We hope to help you become free of debt.:
PS: Don't miss our new Financial News Section!
Ocean Finance - An Independent Review
Independent Review of Ocean Finance and the Services Offered.
Hfs Loans - An Independent Review
Hfs Loans, detailed independent review of services and products on offer.
Purple Loans - An Independent Review
Purple Loans, independent information on their loans and morgage service.
Freedom Finance - An Independant Review
A review of Freedom Finance, one of the leading consolidation loan companies in the UK.
Earning Money - where does the money come from?
Earning money - where does our income come from?
Income Tax - a brief summary
Income tax summarised
Saving Money on Food
Saving money on food. How to save cash and still be a gastronome.
Also: Diet Recipes To-Go - Eat less, lose wieght save money
Also: Mrs Beetons Book of Household Management
Borrowing Money, Look Before you Leap
Before borrowing money make sure you understand the basics.
The Benefits of Financial Planning
Financial Planning, all 'Pros', no 'Cons'
Mortgages - the basics
Mortgages, the basics explained in laymans terms
Browse more...
Money Management - The Basics
Tips on Saving Money
Personal Budgeting
Reducing Debts
Individual Voluntary Arrangements (IVA)
Bankruptcy
Debt Consolidation Loans
Financial Planning Benefits
Debt Advice (USA)
Financial Resources
Financial News
Credit Card News
Other Useful Sites
Home
Money Management - The Basics
Tips on Saving Money
Personal Budgeting
Reducing Debts
Individual Voluntary Arrangements (IVA)
Bankruptcy
Debt Consolidation Loans
Financial Planning Benefits
Debt Advice (USA)
Financial Resources
Financial News
Credit Card News
Other Useful Sites
An IVA (Individual Voluntary Arrangement) is a contract between you and your creditors that is often the best solution to first reducing you debts to a level that you can afford and then clearing them over a period of time that is comfortable for you.
The articles below will help you decide whether this is the best option for you:
What is an IVA (Individual Voluntary Arrangement)?
.... and why an IVA is often a better option for you AND your creditors.
How much does an IVA cost?
Show me the money!
What sort of person enters into an IVA?
...and why?
What are the advantages of an IVA?
What are the advantages of an IVA?
What do I need to do?
Forms? Meetings? Whats the score?
IVA Disadvantages?
It sounds too good to be true, wheres the catch?
IVA and your Mortgage or Home
How will an IVA affect your Mortgage?
Do my Creditors have to agree to an IVA?
Problems with creditors, what if they don't agree to an IVA?
Who would get to hear about my IVA?
Does an IVA become public knowledge?
What is the cost of an Individual Voluntary Arrangement (IVA)?
What does and IVA cost, and who pays for it?