Categories
Sometimes known as a full and final offer, a debt settlement offer is where you agree to make a lump sum payment to your creditors in order to settle the remaining debt you have with them.
Read More
Dealing with debt collectors can be a highly stressful experience, but when they’re aggressive in their techniques, how do you deal with it? Strict regulations surround the collection of debts, and...
Read More
Debt seems to be a way of modern day life. For some things in life, such as buying a home or paying for a university education, taking on debt and paying this off in instalments may be the only way of...
Read More
When credit card companies make a decision about you as a potential customer, they use the information on the application form to assess your credit-worthiness, and establish the most appropriate leve...
Read More
In Scotland, County Court Judgments (CCJs) are referred to as a decree.
Read More
Set procedures exist for the recovery of council tax arrears in Scotland. If the initial and final council tax reminders are not paid, or you do not respond to the communication, it is likely that a S...
Read More
When you have large personal debt, it often feels as if there’s nothing you can do to get out of that situation. You throw away bills, ignore phone calls, and often feel overwhelmed and scared.
Read More
If you are drowning with unmanageable debt, you may be tempted to try and escape this for good by leaving the country. You may be considering a move abroad for other reasons, such as to be closer to f...
Read More
High factoring fees are placing an increasing financial strain on many property owners in Scotland, with some property factoring companies being criticised for huge price rises for what is often only...
Read More
Sheriff officers work on behalf of companies, government departments and individual creditors to enforce court orders relating to debt. This may be unsecured debt such as Council Tax arrears or tax pa...
Read More
A statute barred debt is one that can no longer be collected by a creditor due to the elapsed time limit laid down in The Prescriptions and Limitation (Scotland) Act, 1973.
Read More
A Notice of Assignment is used to inform debtors that a third party has ‘purchased’ their debt.
Read More
Our Insolvency Practitioners are regulated by ICAS or the IPA and our firm is authorised and regulated by the Financial Conduct Authority
Fees and Information: There are fees associated with our services. These will be fully explained before entering into any of the personal debt solutions referred to on this website. Full details of our fees and how these are charged are fully explained to you prior to you committing to any particular service.