Affordable debt solutions for UK residents

Are your bills becoming unmanageable? Are your credit card debts threatening your financial future? Are you having trouble keeping your head above water?

It’s easy to let debt problems cause you emotional and physical stress, but if you allow Loans Company to help keep your debt problem in perspective, this needn’t be the case. So long as you are a UK resident, we have debt solutions that can let you breathe easily again.

Your debt problem can be resolved, to the satisfaction of both you and the people you owe money to, even if your current monthly payments are far higher than you can afford. You should try hard not to let it upset you or cause you undue stress, there is a way forward! Loans Company's solutions are designed to take the hassle of debt away from you and find a real route to getting you out of the red.

• Individual Voluntary Arrangement - An IVA is an official debt repayment plan that in most cases includes the freezing of interest, reduction in the total amount of debt owing, and legal protection from creditors.

• Debt Management - Debt management (also known as 'self help') is an informal process of negotiating with your creditors for the freezing or reduction of interest, or the writing off of part of your debt.

• Bankruptcy - Bankruptcy is a ‘last resort’ solution in cases of a very serious debt problem, and can be brought on by a creditor or can be entered into by making a bankruptcy order yourself.

• Debt Consolidation - Usually recommended in cases of moderate debt problem where there is equity in your home, or where you can afford to make equal or higher monthly debt payments than you are currently making.

The information, services and products on this web site are intended for use by residents of the United Kingdom only. Your loan advisor will review your past credit history and other personal details, and the actual rate offered may be higher depending on your personal circumstances and, for secured loans, the equity in your property. By repaying your borrowing over a longer term, your overall interest charges will increase. The actual rate available for any product will depend upon your circumstances. Ask for a personalised illustration.