avoid or stop reposessions bad credit assist debt help
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Welcome to our web portal designed to help you find a solution to your debt problems whether that be simple money saving tips or debt help advice with minor or large defaults, IVAs or Bankruptcy through to iva mortgages or bad credit mortgage help. We work with a number of key partners some offering free help and advice on debt matters. We can help you with debt problems, recommend free impartial debt advicecompanies, help you look at IVA's or is bankruptcy. What ever your circumstances there will be something here to help you - not least the Debt help forum and our MoneySaving Tips.
Free advice across, debt help, bad credit mortgages, iva mortgages, iva mortgage information and money saving tips
Debt Help and Advice
Prioritise your debts.
Before making payments to people, work out which debts are the most important. Don’t just pay whoever is shouting the loudest. You need to analyse your circumstances and focus on keeping you liberty and a roof over your head. Therefore your priority creditors should be: the lender that provided your mortgage – or your landlord if you are in rented accommodation; the provider of other loans secured on your property; and then household bills, including utilities. Next look at credit cards, store cards and other unsecured loans. Of course, they all need to be paid eventually, but you will have to be totally ruthless in deciding which must be sorted out immediately. Your home and its mortgage is the most important thing, so deal with that first. This article continues on with several subpages - each with more articles and a step by step guide to getting out of debt.
Avoid Repossesssion
Avoid Reposession
If you are facing reposession or the threat of having your home repossessed. The amount of money you will receive from the sale of your repossessed property will not be an attractive option and it can certainly stop the reposession leaving you to continue living at the property
Bad Credit Mortgages
Bad Credit or IVA -You are not alone! We help point people in the right direction every week who need an affordable iva or bad credit mortgages or iva remortgages and have some form of bad credit history, from ccj's through to defaults, arrears, IVA's and ex-bankrupts, so we just might be able to get you onto a better Bad Credit Mortgage deal. Let our partners affordablemortgages.co.uk find you the best iva or Bad Credit Mortgage deal from over 70 Banks, Building Societies and Specialist Lenders with just 1 simple enquiry or call to them on 0844 800 2789 ( UK Mortgages Only) . There's no need to search around anymore as they should be able to find you the best deal for you. IVA mortgage help
Bad Credit Mortgage ?
IVA, CCJ's or Defaults ?
Mortgage Arrears or late payments ?
IVA Mortgage Help
IVA Mortgage
If you are in an IVA ( Individual Voluntary Arrangement), then providing it has been running satisfactorily for at least 6 months there are numerous Lenders that will offer you an IVA Mortgage deal. An IVA mortgage can be more complicated than a standard mortgage, you are better off getting specialist help in finding the best IVA mortgage and indeed gettig help completing the application. Lenders may lend 85% - 90% LTV depending upon your income and the property type. Read on about how to find the best most affordable mortgage with an iva.
Sell and Rent Back
Many people are looking to the Sell and Rent Back solution, it is like Equity Release, but simpler, faster and much, much less complicated. With the company we can refer you to, you could sell your property for up to 100% of its market value. Alternatively you may wish to remain living in your home rent free for a period. We will arrange an agreement that suits you.
Also known as "Sale and Rent Back", "Sell to Rent" or "Mortgage Rescue", Sell and Rent Back is where you sell your property to the investor to get access to the cash tied-up in it and immediately rent it back for as long as necessary. It's really that simple.
Sell and Rent Back assists many people's situations. Whether you want to be a cash buyer for your new home; you need time between selling one property and moving to your next or you are facing some financial difficulties where only the sale of your property and the ability to remain living there after paying off your creditors will solve your problems: Sell and Rent Back is flexible and made to suit your needs.
IVA's and Arrangements
Agreements can be made with creditors
IF debt problems remain unchecked there is a chance that the situation can spiral out of control. Sky-high interest rates and penalty charges continually increase the amount owed until it simply becomes impossible to see a way of ever paying the money back. More than 100,000 people become insolvent in 2006 after failing to meet repayments on various loans, according to the Government’s Insolvency Service, while more than 80,000 went bust in the first nine months of 2007.Login to credit-assist to access even more in depth articles and the forum - Registration is FREE - create a free account now !
Divorce
If you are going through a divorce or a separation. And coupled with the other emotional and practical problems this faces, particularly if you have children, one of the biggest causes of anxiety is what to do with the matrimonial home, and you need to sell house for divorce reasons. Often one party will takeover the mortgage but sometimes its just not possible and to stop the constant drain on finances a quick sale is required
Mortgage Maze
If you are a homeowner, your mortgage repayment probably gobbles up a hefty chunk of your salary but you could save thousands of pounds in 2008 by switching to a more competitive deal. Household budgets have come under pressure from rising taxes, previous base-rate hikes, and sky-high petrol and utility costs.
