“I was put at ease and everything was
explained. I now feel a weight has been lifted
and even though I was embarrassed by the
situation I was made to feel I shouldn’t be”.

- Client assisted by Debt Advice Northants

Mrs. C – Northamptonshire

I had been with another Debt Management provider. After paying an initial fee of £400.00 followed by payments of £400.00 per month of which £70.50 was a monthly management charge.

I contacted Debt Advice Northants on the off chance as the monthly payments were hard to maintain to my current provider. They advised me on the options for addressing my debts. I decided to continue with a debt management plan for the one off fee of £350.00 plus VAT. There were no monthly management charges and therefore all the money paid each month went to my creditors. I now pay £250.00 per month to my creditors at a rate that I am able to financially manage. I also have the assurance that all of the £250.00 is being paid to reduce my debts.

I preferred the face to face advice provided and the re-assurance of having an
experienced debt adviser guiding and representing my interests.

Mr & Mrs. D – Northamptonshire

We contacted Debt Advice Northants because they were a local company that we
were able to meet face to face. They explained verbally and in writing the best options
for us to address our debts.

On considering the options presented to us we decided to apply for a Debtor’s Petition
for bankruptcy. Debt Advice Northants advised us on the process, the court fees,
prepared the applications and represented us at the court appointment.

After the bankruptcy they successfully challenged the Official Receiver in challenging
an Income Payment Agreement, which would have reduced our income for three years
and retained our vehicle, which the Official Receiver wanted us to pay £500.00 for.

They are still supporting us while we are under the supervision of the Official Receiver.

“A good service with reasonable charges for expert advice and representation”

Need to talk?

Initial assessment is free. Call in confidence 01604 235775 You can speak directly to a qualified Debt Advice Northants advisor who is waiting to help.

We can help.

If you live or work in the Northants or surrounding area, we can help you manage any financial problems you are experiencing. Simply fill in the form below and we will contact you to discuss the best debt solution for your needs.

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FAQ'S

Do you need answers now?

Browse our most frequently asked questions.

  • How does bankruptcy affect your credit rating?

    Your bankruptcy will be registered with credit reference agencies and remain on your file for a minimum of six years. After this time you may still have to declare your previous history, particularly when applying for a mortgage.

  • Is a Debt Management Plan a type of loan?

    A Debt Management Plan is not a loan. All it does is place your debts with a third party who deals with your debts for you. People attempting to take control of their debts are being warned to beware of unregulated loans that can lock them in for years and leave them at the mercy of sky-high exit charges.