Have you unintentionally got piled-up debts over your head? If you need any advice or help dealing with these debts, we at StepChange Chester are here to help you out. If you need quality money and debt advice, our certified advisors are ready to guide you. Even if you wish to enter into a specific debt management plan to repay your debts as soon as possible, we got several debt solutions as your options. But, to avail of a suitable debt solution, you must meet the same qualifications.
At StepChange Chester Office address, we provide free, impartial, and confidential debt advice plus essential debt help to individuals having problem debts and wanting to get rid of them. Our expert and professional advisors and counselors will listen to your debt situation, assess them, and suggest the best possible debt solution for your existing financial and personal circumstances. You can quickly get in touch with our debt advisors by calling the StepChange Chester number.
Working with us would be wise if you want to write off most of your unsecured debts, as with the debt repayment plan. Whichever debt solution you prefer from our offers, we will offer you breathing space as relief from creditors if you are eligible for the scheme. Besides these, we also provide related services like money advice, re-establishment services, budgeting control, credit score improvement guide, mortgage advice, etc. These services are effective, and you can gain maintain financial balance after clearing your debts with us.
About StepChange Chester Office Address
StepChange began its journey to provide debt services initially as a credit counseling foundation. It registered as StepChange Debt Charity in Wales and England. Hence, StepChange Chester can legally practice providing insolvency services to UK citizens as a limited company. The fantastic format about our workings here is that we offer free-of-cost debt advice and help to people in dire need of debt help. We effectively claim to resolve any financial and debt crisis of our clients.
If you think that getting professional help to deal with your debts is a hassle, you are wrong about our debt services at StepChange Chester Office address. We have established quality and quick debt services for our clients for years through our three-step debt help solution.
You let us know about your crisis (debt, income, and expenses). We will ascertain your situation and draft a realistic budget for you to follow. Then, decide on a debt repayment plan and explore the various debt options fitting your debt case. As you decide on the particular debt solution, we will set up a personalized debt payment plan for you to effectively pay off your debts as soon as possible.
Step Change Chester contact: 0800 138 1111
StepChange Chester Address: Meridian House, 17-19, Boughton, Chester, CH3 5AE
StepChange Chester debt solutions and Step Change Chester IVA services
The Financial Conduct Authority (FCA) UK regulates the StepChange debt charity Chester. We are fully licensed and authorized to offer UK government-approved debt solutions to our clients. The UK government introduces these insolvency measures to help the individuals in need of practical debt help.
Applying for a debt management plan with us need a trustee or an insolvency practitioner. Our insolvency practitioners are certified and are regulated by the independent professional body, the Insolvency Practitioners Association (IPA) in the UK. So, rest assured that you will receive efficient guidance and debt management while successfully fulfilling your debt payment process within a stipulated timeframe.
Step Change debt charity Chester offers its clients this wide range of debt measures without charging any upfront fees for acquiring our debt services. Different debt solutions that you can go for at the StepChange Chester address include the following:
Debt Management Plan (DMP)
One of the most sought-after debt solutions at StepChange debt charity chester is the Debt Management Plan (DMP). You can avail a free DMP service from us. As a debt solution, in a DMP, you pay off your unsecured debts by making affordable minimum payments every month until the debt is repaid in full. You can have about 80% of your debts written off if possible.
Individual Voluntary Arrangement (IVA)
An Individual Voluntary Arrangement (IVA) is another popular debt solution offered at StepChange debt charity. It lasts for about 4 to 6 years depending on the change in influencing factors whereby you make lowered monthly contributions to IVA, which the Insolvency Practitioner (IP) will transfer to the creditors accordingly. If any debts remain unpaid by the end of the IVA term, the IP will write them off as stated in the IVA proposal.
Debt Relief Order (DRO)
You are eligible for a Debt Relief Order if you have some qualifying debts that you want to clear off but have few assets under your name. A DRO term is of 12 months where you are not obliged to make any debt repayments.
Equity Release is available for elderly clients more than 55 years of age as a debt solution. We help these people access the money or equity tied to their homes.
Bankruptcy, in general, helps clear off unmanageable debts that you cannot cover even with all of your assets and property. If you cannot pay off these debts within a specific time, the court will waive off those qualifying debts. If you wish to file for bankruptcy to the court, we can act as your representative. Or we also provide essential bankruptcy advice intending to make your decision-making easier.
While we offer various government-approved debt solutions to the individual in need of debt help and advice, we also provide debt consolidation loans for a more straightforward debt repayment process. You receive a personal loan to tackle your combined debts by making regular payments. You can either take this loan to reduce your debts or eliminate them.
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We suggest these debt solutions if the debt advisors feel that your circumstances demand these solutions to get rid of the debts. You can apply for the proposed debt measures if you think it is the right option for you and your debt scenario. Regardless, before you apply for a debt management plan with us, our professional debt advisors will relay to you all the essential information about the particular debt measure, such as its pros and cons, how the debt repayment plan will work, how it might affect your life and other aspects, etc.