Need to go Bankrupt? Want some help?

Please be aware many companies on the internet will want you to avoid bankruptcy and do an IVA, they make a lot of money from IVAs, now that is fine but ask them to explain to you why an IVA is better for you than bankruptcy, this may be difficult as many of these companies are simply marketing agents who know little about Insolvency, they package up and pass your details on to Insolvency Practitioners for a finders fee normally between £800 to 1100 pounds

The clients I serve are people who have done their homework and already decided on voluntary bankruptcy, they want it done properly, done quickly, they want it to be approved, and assurance the passage to debt freedom is as smooth as it can be, with someone at the other end of the phone, any day any time, who can help if and when needed for the duration of bankruptcy normally 52 weeks.

It is with enormous pleasure when I hear from past clients,  many I helped quite some years ago, who call me to ask for help, for a relative, work colleague, or friend, to catch up on how their lives have turned around when they were once in the depths of despair this is my best reward having helped make it happen.

I have done this for a long time, and I fully understand you are not at a good place right now, you want to pay your creditors, but you simply cannot, you have stopped answering your phone, you do not open your post anymore and you dread the knock at the door, seriously you do not have to live like this, being in debt is not a crime, BUT letting it ruin your life certainly is.

Personal bankruptcy can for so many, be a positive action, it can be used as a cure for anyone who is financially ill, it has helped my clients rebuild their esteem, help recover from their depression, and start to live again, it is with enormous pleasure that many of my clients keep in touch with me for years after I have served them, it is very rewarding to see how their lives are turned around.

Over the years, I have helped Publicans, Nurses, Police Officers, GPs persons with Gambling addictions, the self-employed with tax liabilities, and the unemployed people from all walks of life.

Please be in no doubt like any other debt solution your credit file will be shot for six years, if you are reading this then it’s possibly bad in any event.

Whether you want to proceed, or just want some information call me, over a year I complete on average 60 to 80 Bankruptcy Applications just enough to give good service to my customers.

I am so easy to speak to, and you can speak with me anytime, and I will sincerely promise you if you call me in confidence there will be no pressure, no sales talk, I would not be so rude, I will never try to push you down this route, any route out of debt needs to always be your decision after weighing up all your options, you can call me evenings and weekends,

I am here to talk to, let’s face it sometimes just someone to talk with can help, you may not even need my service, you will only ever talk with me, my phone is always with me, I am about till 10 pm seven days a week, my name is Daniel on 07970 508345 daytime or 01785 823329 evenings or email mail@thebankruptcyhelpline.co.uk

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.

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.

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 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 other options need to be considered in dealing with your debts. This is important as the general rule in bankruptcy is you swap your assets for your debts, it is only Tools, Books, and Vehicles needed for your job or vocation (providing existing items cannot be replaced at a 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 outweighs any negative thoughts about bankruptcy