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We provide debt advice in Manchester, London and Birminghamtham professionally to the public concerning their debt. We provide debt advice from our in-house Licensed Insolvency Practitioner. We assist the public with free debt advice and find possible solution to their debt. We have professionals, trained to the highest level to assist people from different backgrounds and different circumstances.

We specialize in debt management and debt consolidation. Our utmost priority is to do a fact find and make a financial statement with minimum amount of hassle and inconvenience, and suggest possible outcomes of different strategies of debt management.

IVA

We also have a specialist IVA debt advice teams that gives advice on IVA’s. How may qualify, what the advantages and the disadvantages are of applying for an IVA. Please refer to our IVA section for further information in details.

We use a variety of strategies to get rid of bad debt and outstanding debts, payments and charges. If you are in the initial stages of starting to accumulate debt, then the process could be fairly simple, and we could have all your payments stopped within no time.

Secured Loan

Sometimes this process can be lengthy depending on the amount of loan required or amount of debt to be repaid. Normally if the debt cannot be catered for by a small loan, then the next step usually is to apply for a secured loan against a property. This can be a problem if you have CCJ’s, bad credit history and bank debt, but due to the high volume of loans we arrange, we can drive a bargain harder with your lenders. These types of loans are secured against your property. If payments are not made, then your house can be repossessed.

Re-mortgage

The re-mortgage process can be lengthy and normally takes between 3-6 weeks for the whole application to be processed, during which we could assist you in freezing your payments to stop any further debt accumulating. This type of loan would involve you borrowing more money from your mortgage lender at a much cheaper rate than most loans. Because these loans are considerably cheaper to pay, this is a very common way of raising finance. Your mortgage lender would pay you an advance for a larger mortgage if your property has the equity, you would pay your debtors with the difference, and you would continue to pay off your mortgage, which would slightly increase depending on how much further advance you take.

We at debtfreeexpert.co.uk strive to find the best possible solution, which will work in your favor in the long term and as well as in the short term. We have qualified personal, specially trained in the finance sector to assist you to a debt free life.

Debt Consolidation

Debt consolidation when done right can be very helpful in reducing your monthly outgoing payments and save you a lot of money by negotiating the right load from the right company with an appropriate interest rate and get your monthly payments reduced considerably.