Debts in the News
Sporting goods thefts 'could contribute to debt problems'
People not wanting to add to their debt concerns may want to make sure their home goods are not vulnerable to thieves, it has been advised. [more...]

School uniform prices adding to parental debt woe?
The high prices parents face when paying for school uniforms could be increasing their debt concerns, it has been suggested. [more...]

The self-employed unable to repay debts?
A number of self-employed workers in the UK cannot afford to pay their debts, it has been suggested. [more...]

Coalition cuts to raise debt help need for the poor?
The poorest households in Britain may need debt help management after it has been revealed the coalition government's emergency budget has hit society's least well-off the hardest. [more...]

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Debt consolidation Loans - Consolidate debts to reduce outgoings


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Free IVA Debt Help

An IVA is legal process for those with unaffordable unsecured debts over £15,000.

IVAs are formal agreements between you and your creditors whereby you repay what you can afford, usually over 5 years. After which, the outstanding debt is written off. An IVA can achieve all of the following:-

  • An IVA Enables up to 70% of debt to be written off.
    You payback what is affordable after taking into account your personal situation.
  • An IVA Shortens repayment period.
    In 60 months you will be debt free, Guaranteed. This is dependant on approval of 75% (by value of the debt) of your creditors, and provided you maintain the payment schedule.
  • An IVA Stops interest and charges.
    Your debts will not increase and interest will be frozen.
  • An IVA Stops creditor harassment
    Stops creditors and debt collectors from chasing you.
  • An IVA Stop court action.
    An IVA can stop bankruptcy proceedings and bailiffs.

More about IVAs »

Free Debt Management Help

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.

Abacus are one the UK's leading Debt Management Companies.

Benefits of debt management:-

  • Affordable Payments
     Payment levels are based on what you can afford, not how much you owe. If you can afford to pay £100 per month towards your debts the a debt management company can help you.
  • One Monthly Payment.
    Less hassle for you. You make one affordable payment to us and we make payments to your creditors.
  • We deal with your creditors.
    Getting fan mail and phone calls from your creditors and debt collection agencies? Forward and refers these to us - we'll deal with it.
  • Flexibility.
    If your financial situation changes - you may lower or raise your debt management plan payments accordingly.
  • No more late payment charges.
    You payments will now be made on time. We may be able to arrange to have future interest charges lowered - or even frozen.

More about Debt Management Programmes »

Unsecured Debt Consolidation Loans

Refused a Loan? We can help you 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 advice as to your best option. more »

Remortgage's & Repossession Help.

Abacus have vast experience in managing to stop home repossessions, even those on the very brink of personal disaster. 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 »

Debt Advice and Debt Help Guides

Debt advice articles to help UK residents who are experiencing financial problems. Advice ranges from UK law on Bankruptcy, Debt Management Firms, dealing with bailiffs and bad credit, to general debt help and information on debt counseling consolidating debts.

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