- I CAN HELP YOU LIVE AGAIN -
Need Bankruptcy ? Let me complete it for you, I do everything, we will walk the path to Debt Freedom together, Since 2005 I have completed thousands of successful bankruptcy applications, Call for a chat anytime on 07970 508345, Evenings 01785 824209 From 8 am-10 pm, 7 days a week.
- I CAN HELP YOU LIVE AGAIN -
Personal Bankruptcy Application Help
For the last ten years, I have attended over 100 county courts in England and Wales, completing bankruptcy petitions for my clients, people just like you who have come to the point of needing a fresh financial start to their lives, I do not do IVAs that can fail, or Debt management plans, which go on forever, or sell your details on to another, to tell you what you should do, the clients who I serve are people who have already decided on voluntary bankruptcy and need help to complete it properly and smoothly, and someone to lean on for the 12 months until they are free, people who just want all their pain and suffering from the misery of being in debt to end as quickly as possible, and a new fresh financial start in life without the fear of the knock at the door, the phone ringing, or the postman coming down their path. My knowledge of personal bankruptcy and how it can be used as a cure for anyone who is financially ill has helped my clients rebuild their esteem, help recover from their depression, and start to live again. From the 6th April 2016 I can now complete your bankruptcy petition online without the need for you to leave home or take time off work, it can all be done as quickly as you require. You can speak with me anytime, I am not a call centre, I do not employ staff, you can call me evenings and weekends, I am here when others are closed, even if you do not need my service, if I can, I am always happy to help, Call me, my name is Daniel on 07970 508345 or 01785 824209 or email firstname.lastname@example.org
Are Creditors and Debt Collectors making your life hell?
Is the worry and stress of your Debts getting you down?
Are you receiving threatening calls from Creditors?
Do you need help with your debts?
Are any of your goods about to be repossessed?
Are you selling your assets to pay of your Debts?
Do you require help to get out of the Debts Trap?
If you answer YES to most of these question then, Voluntary Bankruptcy maybe the answer for you!
Voluntary Bankruptcy allows you to control your debt situation BEFORE one of your creditors takes you through the court system and/or the Bailiff comes knocking at your door with a warrant to possess your goods.
Your personal debts, called unsecured debts, which might include credit cards, store card debts, personal loans, mobile phone accounts and utilities debts are all cancelled if you proceed with Voluntary Bankruptcy. Once you are bankrupt your creditors, by law, must then stop calling you, or harassing you. The threatening letters will stop, all of which are making your life a misery. You can start to live again, enjoy picking up the phone, looking forward to your daily post and opening the door with confidence.
How Debt Accumulates – You may have experienced a period of unemployment, reduced employment, ill health or a relationship breakdown. This may have meant using credit to pay your bills as a short term remedy.
Managing Debt – Getting into debt is easy especially when the banks and finance companies seem so willing to provide you with credit cards and store cards.
The Bankruptcy Helpline in England and Wales provides help and assistance for anyone considering Voluntary Bankruptcy. We help manage debt, creditors, bankruptcy, debts, credit card debt, debt relief, debt assistance, debt problems, debt collectors, debt help, debt advice. The British Government, via the Enterprise Act (2002) has put provisions in place to enable people to become debt-free and get on with their lives again – stress-free! “Bankruptcy provides legitimate relief from debts incurred by those who are in genuine financial difficulty”. If you have overwhelming debt problems and creditors are threatening you with Court Action or you have been issued with a Court Summons from one of your creditors, it may be time to consider voluntary bankruptcy. However you should always take advice from trusted sources, the Money Advice Service is a good starting point, as there are other options which need to be considered in dealing with your debts. This is important as the general rule in bankruptcy is you swop your assets for your debts, it is only Tools, Books, Vehicles needed for your job or vocation (providing existing items cannot be replaced at lower value and personal possessions of small value that are exempt.
Most people who have debt problems have been through a period of unemployment, reduced employment, relationship breakdown and prolonged illness. They started to use credit as a means of bridging the gap between their reduced income and their soaring financial commitments. Though most people say that they would prefer to pay off their debts in full, they find that debt collectors, banks and finance companies put unreal demands on them and it becomes impossible to continue paying off all their debts. Bankruptcy is usually considered the worst case scenario when you are faced with overwhelming debt problems. These days, fortunately, there is no longer the same stigma about bankruptcy. The relief at not having the stress of continual debt problems far out weighs any negative thoughts about bankruptcy.
Voluntary bankruptcy puts you back in control of your situation. Generally the debt collectors are silenced. You do not have to appear in Court. You will have all of your unsecured debts such as credit card debts, mobile phone debts, and personal loan debts wiped from the slate. The period of bankruptcy is generally 12 months although you will have a bad credit rating for 6 years but most people considering bankruptcy will know that they already have a bad credit rating.
The Solution to Debt Problems – To help you recover from overwhelming debt situations, the British Government brought in The Enterprise Act 2002 which means since the 1st April 2004 there have been considerable changes to the laws concerning Bankruptcy in England.
Previously, Bankruptcy would typically last for a period of 2 to 3 years, but now the majority of bankruptcies will be discharged after only 12 months.
The law was changed to give those with genuine cases of financial hardship the opportunity to be free of their indebtedness.