Debt Management Case Study
£58,000 of debt - but can't do an IVA.
| Debt: £58,000 | Was paying: £1267/month |
| Now paying: £300/month | |
| Client has £200,000 equity in his home, but unsecured debts of £58,000.
His assets are greater than his debts, therefore he is not insolvent, however he can't afford to pay 11 creditors from an average month income of £1,060. An IVA is not possible as his creditors would never agreed to forgive any debt when he could repay them in full by selling his propertyr. The client does not want to remortage as he has recently become self employed and does not want to risk his home if that does not go to plan. Debt management will never pay off this debt, but it gives client some respite from his creditors while he focus on building his business without the fear or court action or losing his property. |
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