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7 Steps to Climbing Out of Debt Infographic

Our initial advice is completely free. Fees may apply thereafter depending upon the debt solution entered into.
Follow these links to see the fees involved when undertaking DMPs and IVAs and they will also be notified to you in advance.
Individual Voluntary Arrangement (IVA) is a specialist service provided by a licensed insolvency practitioner of our choice.
Our Services are subject to status and acceptance, and conditions apply.

Baines and Ernst Ltd
Registered in England and Wales: 3167325
8 St John Street
Manchester
M3 4DU.

FSA Reg No.: 312318
Data Protection Registration No.: Z8931509
Consumer Credit Licence No.: 408014
VAT Registration No.: 628700343

DEMSA: Baines and Ernst are proud to be a member of DEMSA (Debt Managers Standards Association) and fully subcribes to the DEMSA Code of Conduct. Authorised and regulated by the Financial Services Authority for insurance mediation services and subject to the Financial Ombudsman Service. A copy of the DEMSA code is available on request from us or www.demsa.co.uk.

† Calls are free if made from a BT landline. Calls made from mobiles and other networks may be charged. Please check with your service provider. Mobile phone users may find it cheaper to call 0161 656 9856. Calls may be recorded for service quality.

If your creditors do not freeze interest or charges this will lead to an increase in the period and amount being repaid. Credit rating will be affected in the short to medium term. *£603 is the average saving per month based on a sample of 18,500 Baines & Ernst customers.