“You were all exceptionally friendly, helpful and always cheerful – I will definitely recommend your company.”
Ms D.N.

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Debt management and IVAs

Struggling to keep up with your debt payments? . . . Unable to get a debt consolidation loan? . . . Considering bankruptcy?

You can get your finances under control - even if you cannot get a debt consolidation loan because of poor credit or insufficient income.

A debt management plan or an IVA are real options for you and effective ways to become debt free.

What is debt management?

Debt management allows you to settle your outstanding debts – credit and store cards, catalogues, personal loans, overdrafts, Hire Purchase.

A debt management company negotiates a reduced payment programme with your creditors. It gets your creditors to accept a smaller sum of money to clear your debt and to freeze the interest. Or it arranges for your payments to be spread over a longer time. This makes them smaller and more manageable.

Reduced payment programme

A debt counsellor calculates your priority debts

mortgage
utility bills
council tax
other living expenses

Money left over after paying your priority debts is “disposable income”. This is distributed to your non-priority creditors.

For a FREE no obligation quote fill in the Application Form, email us or phone Zebra on 0870 2250130
to find out how we can help you.

Use our loan calculator to work out what your monthly repayments might be for various loan amounts.

What is an IVA?

An Individual Voluntary Arrangement or IVA is an alternative to bankruptcy. With an IVA you make reduced monthly payments to your creditors over a period of up to 5 years. A proportion of your debt may be written off. The arrangement is 100% confidential between you and your creditors.

You can make an IVA if you

can afford to make regular payments to your creditors
have debts over £15,000
have a disposable income of at least £250

A debt management company will assess your situation and negotiate with your creditors. Once your IVA is approved you will be legally protected from your creditors.

They cannot take further action against you to recover the debt
They cannot add further charges to the debt
Your repayments will be the same every month
After your last payment any remaining debt is cancelled

And at the end of the arrangement you will be debt free and your credit rating will be restored.

home • unsecured loans • secured loans • debt consolidation • debt management • contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ON ANY OTHER DEBT SECURED ON IT.

Our typical APR is 11.4% variable. The actual rate will depend on your circumstances. Ask for a personalised illustration.

Information on this site must not be construed as legal or financial advice on specific matters. All information is a public resource of general information, which is intended to be accurate, complete and up to date but is not guaranteed to be so. Your use of information on the Website or materials linked to the Website is at your own risk.
This site is operated by Blithbury Data Management Ltd - Registered Office 4A Eastgate Street, Stafford, ST16 2NQ
Blithbury Data Management Ltd is a limited company registered in Wales UK and is registered under the Data Protection and Consumer Credit Acts. Company registration number: 541908 (Cardiff).

Zebra Loans specialise in: debt consolidation loans, unsecured loans, secured loans and second mortgages, debt management packages and IVAs