Tackling your debt problems can present a daunting prospect. Not only is debt a stressful situation, with creditors contacting you and threats of legal action to recover the money you owe, there are also a wide range of potential debt solutions, each with their own positives and negatives. Selecting the best option for your needs can be a confusing process, and very often the advice you can receive is not tailored to you personally.
At DebtArrangementScheme.com we have a highly-trained team of experts ready to guide you through the available solutions, and, if you choose to use a Debt Arrangement Scheme to work towards becoming debt-free, we will be with you through the whole process, representing you and working on your behalf to achieve the best deal for you, and settling your debts as quickly and as simply as possible in a way which takes into account your personal situation and responsibilities.
We are part of the Carrington Dean Group, one of Scotland’s leading insolvency experts, and our team have gained a reputation over many years for their expert and impartial advice and for their effective debt solutions. We will establish if a Debt Arrangement Scheme is the best option for you, and if not we will make you aware of alternative debt solutions – guiding you through an often confusing process courteously and with discretion, always offering advice which is appropriate for your needs. By keeping you fully informed at each step along the way and using our experience to negotiate on your behalf, we aim to create an environment where you can be confident that your finances are back under control
Your first steps towards freeing yourself from debt
The first step to freeing yourself from debt is taken by making contact with our team. Experienced and highly-trained, they are able to fully assess your financial situation and equip you with the information you need to decide how to move forward. Gaining a full understanding of your total debts and income – particularly the income you will have available for the repayment of your debts – is one of the most important steps in tackling your debt, and when you get in touch our team will make an accurate assessment of your financial situation their priority.
Just beginning the process of regaining control of your debt might feel like a difficult step to take, but our team will deal with you in a considerate and courteous fashion. When you get in touch with us we will arrange a meeting with one of our advisers, either over the phone or in one of our private meeting rooms.
It is important to us that you feel comfortable during your first consultation. It is at this point we will begin to gauge your finances, and start the process of establishing your debt solution. We will first calculate how much of your income is ‘disposable’ each month, which allows us to set up a proposal for a Debt Arrangement Scheme – or to provide you with quality advice on alternative debt solutions should a DAS be unsuitable for you circumstances.
Our advisers will never encourage you to follow a debt solution you are unhappy with, or rush you into a decision before you are ready. From your first consultation with us our team will work hard to set you on the road to becoming debt free in the simplest way possible, which is by building a plan which suits your needs and which you are able to successfully conclude.
Once you have decided which option to take we will be with you every step of the way. We don’t just work on your behalf, using our experienced and skilled team of advisers to negotiate with creditors and build a suitable proposal, we also make sure that you are equipped with the information and confidence to take your own decisions.
We have gained a reputation for reducing the stress that financial difficulties can cause. The strain of dealing directly with your creditors will be taken on by our team, who will use their experience to build an effective solution. This means putting in place a proposal which can be managed properly, with a repayment plan which can stay on track. By doing so we will make sure that your creditors are paid and that your debt can be fully cleared.
Once you begin a plan with DebtArrangementScheme.com we will work hard to make sure that it stays under control. A Debt Arrangement Scheme can last for up to a decade, while other options are much shorter – with Sequestration (Bankruptcy) taking as little as 12 months (with repayments continuing over four years) and a Trust Deed lasting for four years.
The length of such a process means that it can be hard to keep track of your correspondence and payments, but our team will keep an accurate record of every step you take along the way to becoming debt free. We will also administer the payments to your creditors, outlining clearly how much money is being paid and when. We will also be clear and accurate in informing you of any charges and fees incurred during the process, and when they are due.
While your circumstances may change during the process of your debt solution, we will do our utmost to minimise any disruption to your daily life and will use our experience in negotiating with creditors and government bodies to secure the fairest deal we can. Gaining creditor support for your debt solution is crucial, but with our expert team on hand you can be confident that any proposals we make will stand a good chance of being successful.
Seeking advice and support about your financial situation can be a worrying time. Individuals are often unsure about whether they can trust they advice they are receiving. We promise to always be impartial and transparent, giving you advice you can be sure is in your best interests. We won’t push you towards a decision you don’t want to make, and instead will make sure you are fully informed and in a position to take the decision which is best for your and your family.
We are always on hand to answer your questions, and update you about the process. To regain full control of your finances is no easy task, but you can be sure that working with us we will always make it as simple as possible. Building an understanding of what is required to become debt free is one of the most important steps on your journey, and we will make sure that you are fully informed and comfortable with the route you are taking every step of the way.
It is important for us to build an ethical and responsible solution, ensuring that you are able to effectively settle your debts and arranging a reasonable plan which satisfies your creditors while also taking into account your personal circumstances.
Solution and conclusion; becoming debt free
We advise you and provide you with quality information in order to enable you to choose the solution which best suits your circumstances. We are experts in building successful Debt Arrangement Schemes, but whether you choose this option or wish to establish another debt solution we will do our best to make sure that you can successfully conclude your plan and emerge from your financial worries free from debt. We will always represent your interests fully, while also seeking a settlement that is fair and reasonable for your creditors as well as you.
Once you have chosen your solution we will keep you informed throughout the whole process, updating you at every step of the way and ensuring you are familiar with your day-to-day financial situation. We will act on your behalf in order to bring you as simply as possible to a conclusion of your debt problems, but that does not mean you will surrender control of your finances. By working with DebtArrangementScheme.com you will always be aware of how you debt solution is progressing and when you can expect to become solvent once more.