How to deal with debt
As one of the UK’s leading debt solutions providers, we offer expert advice on managing debt. Our services are tailored to meet the specific needs of our customers to ensure we provide the right solution for their individual circumstances, that’s why our initial advice is free.
If you’re struggling with debt and need advice on how you can turn your situation around, don’t hesitate to call us for confidential advice on 0800 096 1331.
Assessing your debt situation
In the first instance, we will ask you about your unsecured debts and the total amount you owe, as well as your current income and outgoings on basic living essentials and priority bills like mortgage / rent, utility bills and council tax.
Once we have these details, we will be able to evaluate your situation and advise you on the debt solutions available to you. Rest assured that we take into account all of your priority bills before calculating affordable repayments on your unsecured debts. Our aim is to help you repay your debts at a rate you can afford and although this could increase the repayment period, you will have the added reassurance that you are working towards clearing your debts at a speed that’s comfortable for you.
We will also provide details on what’s involved in moving forward with our debt service.
Debts that can be included in a debt solution service:
- Personal loan
- Store card
- Credit card
- Bank overdraft
- Catalogue account
Debts that cannot be included in a debt solution service:
- Mortgage
- Hire purchase loans (car loans)
- Council tax
- Water rates / gas / electricity bills
- TV license
- Student loan
For expert advice on dealing with debt, speak to Baines & Ernst – specialist debt solution providers since 1996 on 0800 096 1331
Baines and Ernst Ltd