Just Debt Advice
Your one stop shop towards a debt free life
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Just Debt Advice is an appointed representative of Guardian Financial Management Group
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A writer in France..”random thoughts”
A writer in France..”random thoughts”
What is Debt Management
Debt management is an arrangement which we negotiate with your creditors for you to
pay a reduced affordable amount each month. Every creditor is included and they are
all treated equally. Each one has to agree to the proposal we make for it to be agreed
by all and be put into effect. We collect from you the agreed affordable amount and
distribute this to your creditors for you. Once agreed creditors will not contact or
hound you for payment. We make an initial charge for negotiating the debt management
plan and a small monthly amount for administering it.Once established we will look for a
more permanent long term solution to your debt problems
Debt management is an arrangement which we negotiate with your creditors for you to
pay a reduced affordable amount each month. Every creditor is included and they are
all treated equally. Each one has to agree to the proposal we make for it to be agreed
by all and be put into effect. We collect from you the agreed affordable amount and
distribute this to your creditors for you. Once agreed creditors will not contact or
hound you for payment. We make an initial charge for negotiating the debt management
plan and a small monthly amount for administering it.Once established we will look for a
more permanent long term solution to your debt problems
What is a full and final settlement
We negotiate with you creditors a full and final sum that will pay off your total debts
once and for all. We negotiate this on you behalf and depending on your circumstances
we aim to settle your debts for as little as 30% of the outstanding sums.
We negotiate with you creditors a full and final sum that will pay off your total debts
once and for all. We negotiate this on you behalf and depending on your circumstances
we aim to settle your debts for as little as 30% of the outstanding sums.
What is Sale and Rent-back
Guardian can arrange to purchase your property in as little as 7 days, enabling you to
release vital equity to repay debts or stop repossession or pending eviction. We give
you the option to remain living in the property, paying a monthly rent to us. The first
years rent is taken from the sale price, meaning there are no rent payments for you
to make in the first 12 months. We even give you the option to purchase the property
back after 12 months.You may choose just to sell the property to us and move on,
saving you from paying estate agent fees and lengthy chains.
Guardian can arrange to purchase your property in as little as 7 days, enabling you to
release vital equity to repay debts or stop repossession or pending eviction. We give
you the option to remain living in the property, paying a monthly rent to us. The first
years rent is taken from the sale price, meaning there are no rent payments for you
to make in the first 12 months. We even give you the option to purchase the property
back after 12 months.You may choose just to sell the property to us and move on,
saving you from paying estate agent fees and lengthy chains.
What is an IVA
An IVA is a formal agreement with your creditors and will last for 60 months. A meeting
with your creditors is arranged (you need not be present) and a solution is offered to
them. Upon agreement both interest and debt charges are frozen.The IVA is supervised
by an Insolvency Practitioner and the proposal of payment is legally binding. Your
payments will be reduced into one, affordable monthly payment.Upon completion of the
IVA you will be considered 'debt free', although you may not have actually paid off all
your debts. Any outstanding balances are written off.
An IVA is a formal agreement with your creditors and will last for 60 months. A meeting
with your creditors is arranged (you need not be present) and a solution is offered to
them. Upon agreement both interest and debt charges are frozen.The IVA is supervised
by an Insolvency Practitioner and the proposal of payment is legally binding. Your
payments will be reduced into one, affordable monthly payment.Upon completion of the
IVA you will be considered 'debt free', although you may not have actually paid off all
your debts. Any outstanding balances are written off.
No single solution fits all, sometimes
a combination of several over time is
a combination of several over time is
a better long term solution
Talk to a debt councillor today
to find out free of charge what
to find out free of charge what
your best options are