Is it right for me?

For greater protection from lenders, choose an IVA

Do you feel stressed out about debt?
Are you struggling to repay what you owe?
Are your debt problems affecting your life?
Do you want someone to take control and deal with your lenders?
Do you want to get your finances back on track?

If you have answered yes to any of the questions above, then an IVA could be the best solution for you.

At Baines & Ernst, we will work with you every step of the way to find an affordable way out of debt.

So, if you . . .

Have unsecured debts from £12,000
Have debts with three or more lenders
Are struggling to make repayments
Have proof of income

Call us for a no-obligation financial review to find out if you qualify for an IVA.

You don’t have to struggle with debt alone – life’s better with one of our experts on your side.

Find the right solution

Answer a few simple questions and we'll help you find your solution.

Total unsecured debt: £500
Residential Status*
Where do you live*
No of lenders*
First Name*
Last Name*
Contact No.*
Alternative Contact No.
Email*
*
- I accept the privacy policy
Click here to read the privacy policy

Find the right solution

Answer a few simple questions and we'll help you find your solution.

Total unsecured debt: £500
Residential Status*
Where do you live*
No of lenders*
First Name*
Last Name*
Contact No.*
Alternative Contact No.
Email*
*
- I accept the privacy policy
Click here to read the privacy policy

Debt advice you
can trust

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The DEMSA Code of Practice is approved by the Trading Standards Institute.

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0800 096 1331

Call FREE
0800 096 1331†

0161 656 7701

Cheaper from a mobile
0161 656 7701†

Text

Text 'DEBT'
to '87070'
for a callback

Baines & Ernst is part of the Paymex Group and is a proud member of DEMSA (Debt Managers Standards Association) and fully subscribes to the DEMSA Code of Practice which is approved by the Trading Standards Institute (TSI). A copy of the DEMSA code is available on request from us or www.demsa.co.uk.

* If your creditors do not freeze interest and charges as part of a Debt Management Plan, this will lead to an increase in the period and amount being repaid. Credit ratings will be affected in the short to medium term. £315 saving has been calculated from Debt Management Plan customers who have come to Plan from April to September 2012.

All statistics regarding Baines & Ernst customers relate to independent research carried out for Baines & Ernst.

† 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 use the ’0161′ number above. Calls may be recorded for service quality.

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

Is it right for me?

For greater protection from lenders, choose an IVA

So, if you . . .

Find the right solution

Find the right solution

Debt advice you can trust

Debt advice you
can trust