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Debt Advice

Act now before it gets too late!

At ALBA Money we help people with a wide range of debt problems, from a few thousand to hundreds of thousands of pounds and we have a range of solutions, one of which will be right for you. Unfortunately a lot of people bury their heads in the sand until its too late to help. We advocate contacting us as soon as you realise that you have a problem as there are likely to be more acceptable solutions to offer you.

Debt Management Plans
	A debt management plan allows you to manage your finances in an informal agreement with your creditors by making one single affordable monthly payment.

	We will refer you to a Debt Management Firm who acts as an agent between you and your creditors (the people you owe money to). They will contact your creditors and arrange a repayment plan. Once they have done this you will pay them an affordable regular payment which will be distributed amongst your creditors in accordance with the negotiated plan.

	One payment a month makes money management easier, someone else manages your debts, freeing up your time, a Debt Management Firm will negotiate with your creditors to try and freeze or reduce your interest payments and you can stop the plan at any time without any penalties.

	Speak to one of our debt advisors today "FREE" to see if this optoion is right for you.

Call us today on 01560 483334 for "FREE" advice

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Scotland Only
	A Protected Trust Deed offers flexibility, affordability and protection from your creditors which many other financial solutions can’t offer. If you enter into a Protected Trust Deed you make one affordable monthly payment to an insolvency practitioner who collects your payments, deals with the sale of any other significant assets you may have and distributes the money collected to your creditors.

	The Benefits To You All pressure from your creditors is removed, you will not pay any fees directly, you will only repay what you can reasonably afford, interest and penalty charges will be frozen, your Trustee will deal with all correspondence and queries from your creditors, you will pay only one affordable monthly repayment and after completing a Protected Trust Deed, which normally takes 3 years, you will be ready to start afresh financially.

England, Wales & N. Ireland
	The Law The law is different in these regions of the UK. We can deal with enquiries from all over the UK.

	IVA's Do you have unsecured debts of over £15,000? Are you in full time employment and able to make a contribution towards your debts? If so, an IVA might be the solution you’ve been looking for.

ALBA Money 24 Main St, Stewarton, East Ayrshire KA3 5AE Tel:01560 483334 Fax:0871 288 4166