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Oxfordshire Debt Management and Debt Consolidation
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Abacus offer UK Residents Advice on Debt in Oxfordshire including Abingdon, Banbury, Bicester, Burford, Bury Barn, Chipping Norton, Church Enstone, Clanfield, Deddington, Dorchester on Thames, Faringdon, Great Milton, Henley On Thames, Horton-Cum-Studley, Iffley Village, Kingham, Middleton Stoney, Milton Common, Old Woodstock, Oxford, Steeple Aston, Thame, Wallingford, Wantage, Warmington, Weston on the Green, Wheatley, Witney and Woodstock.
Ways we can help»
Oxfordshire Debt Management
Debt Management can reduce your monthly repayments by up to 70%. All existing credit cards, loans and other problem debts are consolidated into one lower monthly payment. Submit the Instant Advice form and we'll explain how you may be able to pay back less than you owe, but still clear all your debts. more »
Debt Consolidation Loans
Refused a Loans ? We can help people in Oxfordshire find a secured or unsecured debt consolidation loan. Even if you have bad credit, a County Court Judgment (CCJ) or have bad credit and been declined a loan already, we can help. We specialise in Debt Consolidation solutions of all types, offering free debt advice to residents of Oxfordshire as to their best option. more »
Repossession Help in Oxfordshire
Abacus have call help homeonwers in Oxfordshire avoid repossessions. We can help if you are a homeowner with mortgage arrears, council tenant or with a housing association. It's never too late to get help. more »
Bankruptcy Advice & IVAs
Avoid Bankruptcy. An IVA may be the solution. This is a legal process offering an alternative to bankruptcy to those with unsecured credit repayments they can't afford. Become debt free in 60 months with up to 70% of all debts written off. Impartial advice, free consulation. more »
Debt Help Information & Guides
A series of informative articles to help and advise UK Citizens who are experiencing financial problems. more »
"We can be managing all your debts within 24 hours"
Debt Management Examples
Our database of real debt managament case studies shows how debt management helps people with wide range of financial and personal circumstances.
View Debt Management Case Studies »
£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 & unsecured debts of £58,000.
His assets are more than his debts, but he can't pay 11 creditors from a monthly 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 property. 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 our client some respite from his creditors while he focuses on building his business without the fear or court action or losing his home. static link to this case study: DMCaseStudy100.asp |
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Debt Management FAQ
Got a question about our debt management service?
View Debt Management FAQ »
3 Random Q&A's from the database:-
1. Why would anyone with debts over £15,000 do debt management when they could write off debt with an IVA?
Not only do you need more substancial debt for an IVA, you have to be techncially insolvent, meaning your assets must be worth less than your debts. If you have equity in property, that is taken into consideration by your creditors when considering your IVA propsal. Normally you would be expect to remortgage at some point of the IVA period to raise funds to pay into the IVA.2. One of my Creditor say they are going to send a bailiff round to collect their money, can they do this?
Certainly not. A bailiff can only be instructed and sent by a County Court or Sheriffs office. This means a bailiff can only call if you default on a court order. A debt collector may try to trick you by saying, “if you don’t pay this bill, we could send a bailiff round” this is not true unless you have defaulted on an earlier court order.3. Are you lending me money to pay off my debts?
No. We do not lend you money nor pay off your debts. A debt management repayment plan allows you repay your loan and credit card debts at an a affordable rate. If you do not make payments into the plan, we do not make payments to your creditors and they have every right to take legal action against you, not us.[Birmingham] [Bristol] [East Sussex] [Humberside] [Bedfordshire] [Liverpool] [Wolverhampton] [Sheffield] [Berkshire] [Plymouth] [Surrey] [London] [Leicestershire] [Cornwall] [Leicester] [Essex] [Coventry] [Devon] [Cumbria] [Hereford and Worcester] [Staffordshire] [Edinburgh] [Perthshire] [West Sussex] [Gwent] Debt Management Abingdon, Debt Management Banbury, Debt Management Bicester, Debt Management Burford, Debt Management Bury Barn, Debt Management Chipping Norton, Debt Management Church Enstone, Debt Management Clanfield, Debt Management Deddington, Debt Management Dorchester on Thames, Debt Management Faringdon, Debt Management Great Milton, Debt Management Henley On Thames, Debt Management Horton-Cum-Studley, Debt Management Iffley Village, Debt Management Kingham, Debt Management Middleton Stoney, Debt Management Milton Common, Debt Management Old Woodstock, Debt Management Oxford, Debt Management Steeple Aston, Debt Management Thame, Debt Management Wallingford, Debt Management Wantage, Debt Management Warmington, Debt Management Weston on the Green, Debt Management Wheatley, Debt Management Witney, Debt Management Woodstock,