Debt Management and Solutions

Are you experiencing Debt Problems?

How we can help. JS Investments works with the number one debt solutions provider in the UK THE NUMBER ONE DEBT SOLUTIONS PROVIDER IN THE UK to offer you the best Debt Solution service in the market.

THIS COMPANY offers a FREE debt advisory information service, providing you with advice and solutions to help you deal with your UNSECURED DEBTS AND REGAIN CONTROL OF YOUR FINANCES. Each month THEY SPEAK TO THOUSANDS OF PEOPLE WHO NEED IMPARTIAL DEBT ADVICE ON:

• Debt Consolidation Advice
• Debt Management Plans
• Individual Voluntary Arrangements
• Trust Deeds
• Administration Orders
• Bankruptcy

Debt Management Plans

A Debt Management Plan is AN INFORMAL ARRANGEMENT WITH YOUR CREDITORS, tailored to help you OFFER reduced debt repayments to your creditors over a number of years. Repayments are CALCULATED USING YOUR INCOME AND ESSENTIAL HOUSEHOLD LIVING COSTS.

• Ideally suited for debts between £3000 - £15000
• Relatively easy to set up
• Fees & Interest may continue from creditors
• Allows reduced debt payments to be made over a number of years

Individual Voluntary Arrangement (IVA)

• ONLY SUITABLE for debts over £15000
• CREDITORS MAY AGREE TO Write off a percentage of the overall debts
• Debt free within 3 – 60 months
• Safeguards House & Car and avoid the consequences of bankruptcy
• This is a legally binding agreement

Monthly Contribution IVA

This is where the individual IS ABLE TO OFFER a monthly contribution for a period of up to five years FOLLOWING AN INDEPTH INCOME AND EXPENDITURE ASSESSMENT. THE CONTRIBUTION can be as little as £250 per month and will usually be substantially less than the debt repayments that were previously being paid. At the end of the IVA, THE DEBTS ARE SATISFIED AND ANY REMAINING DEBT IS AGREED TO BE WRITTEN OFF BY THE CREDITORS. Please note that this is subject to Creditors acceptance, terms and conditions.

Full & Final Settlement IVA

This enables the individual to offer a lump sum payment in full and final settlement of their debts. Such a proposal may be suitable where an individual is unable to offer a monthly contribution, but is able to release a lump sum from their property or obtain a gift from a family member. This is an extremely attractive solution to both the individual concerned and the creditors involved, as it will enable them to recover a percentage of the money owed within a matter of months rather than years. Please note that this is subject to Creditors acceptance, terms and conditions.