Average household debt is forecast to reach £72,341 by 2015 (source Credit Action, Jan 2011).  If you're in debt, you'll be worried about it. It will probably be playing on your mind and you may feel trapped by debt. You don't need to ignore bills, or bury your head in the sand. Debt help is at hand.

At Debt Advisory Line our focus is helping people get out of debt in the shortest possible time.

We know how stressful debt is and work to help people under pressure pay off their debts by providing confidential debt advice tailored to individual needs.

Options available to help you repay your debts:

Debt Management Plan

• Let us deal with your creditors on your behalf so you don't have to
• Reduce your monthly payments
• Clear your debts as quickly as possible
• We negotiate with your creditors; asking that interest and charges are frozen
• No need for another loan
• 2 times award winning professional service
• A Personal Account Manager will provide one to one contact and ongoing support

Individual Voluntary Arrangement

• Clear your debts as quickly as possible – usually within 60 months
• Make one affordable monthly payment
• No need for another loan
• Regain control of your finances
• Let us deal with your creditors on your behalf so you don’t have to…

Trust Deed

• Clear your debts as quickly as possible - usually within 36 months
• We negotiate with your creditors; asking that interest and charges are frozen
• Stop all creditor phone calls and letters
• Let us deal with your creditors on your behalf so you don’t have to…

Bankruptcy (Sequestration in Scotland)

• All debt which cannot be paid written off

• No more creditor phone calls or letters

• Let us deal with your creditors on your behalf so you don’t have to…

Debt Relief Order

• Total value of your assets must be no more than £300
• After tax, national insurance & living expenses your disposable income must be no more than £50 per month
• Repay what you can afford
• We negotiate with your creditors; asking that interest and charges are frozen
• Stop all creditor phone calls and letters
• Let us deal with your creditors on your behalf so you don’t have to…

Debt Advisory Line are fully committed to your financial well being. We are efficient, ethical and transparent when dealing with your debt and your creditors.

We provide an award winning level of service to customers and our senior partners include a Chartered Accountant and a Financial Services Authority (FSA) trained compliance expert. Their overall responsibility is to ensure that the advice given by our fully trained advisors is always appropriate to every customer's particular circumstances.

Our website will help you through the minefield of information that is out there. Our job is to help you find the most effective debt solution for your individual needs.

Debt Advisory Line has years of experience helping people like you solve their debt problems. We know that no two people are the same nor will their financial situations be the same. That's why we will provide a professional financial review to help guide you to the most appropriate financial solution depending upon your individual circumstances to help you repay your debt. Call Now on 0800 157 7254 and speak to our Expert Debt Advisors who will let you know which solution is best for you. (On mobiles it may be cheaper to call 0161 429 3823 )

On average our customers reduce debt repayments by 50%*

We have saved Mr Jones from Southport over £400 per month in interest and charges by negotiating with his creditors – that’s a saving of £5,000 per year.**

Service and fees

We thrive on providing award winning service and our expert debt advisers will discuss all options available to you. If you choose to start a debt management plan there will be a fee involved. Click here for more information on our fees

* Reduction based on customers taking out a debt management plan or IVA during October 2011.  Repaying debt over a longer period may increase the total amount to be repaid. We must put certain 'priority' debts before others, debt write-off applies to unsecured debts, within and only on completion of an IVA or Trust Deed. Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term. **Based on a plan commencing October ’08.

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Debt Management Plan  Individual Voluntary Arrangement  Trust Deed

Bankruptcy  Debt Relief Order  Debt Consolidation  Debt Advice