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Top 5 Credit card debt advice to make life easier.

What does it mean to have credit card debt? In general, credit card debt refers to the outstanding balances on credit cards (An outstanding balance is an amount you owe on any debt that charges interest, like a credit card). With respect to Credit card debt advice explains the possible solution to the debt. Many… Continue reading Top 5 Credit card debt advice to make life easier.

Payment Holiday in debt repayment for credit card and mortgages

What is Payment holiday? If you’re facing any trouble making your regular payments, you can go for the payment holiday option NOTE: but your creditors will agree to a payment holiday for a limited time only. When you sign in for a payment holiday (payment freeze), you stop paying all or part of your monthly… Continue reading Payment Holiday in debt repayment for credit card and mortgages

Loans & Credit Card Freezing | A Complete Guide

Nowadays, everyone uses credit cards for bill payments and many other purchases. In many cases, people also have to take a loan to maintain their livelihood. But sometimes certain situations may occur in their life when they can struggle financially and can’t make the payment of the interest as well as the credit card payment. This… Continue reading Loans & Credit Card Freezing | A Complete Guide

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This website www.thestepchange.com is in no way related to Step Change Debt Charity or approved by the Government. However, the product (IVA) which we specialise in, is processed and managed by Insolvency Practitioners under the following legislation: The Insolvency Act of 1986 (amended by the Insolvency Act 2000 and the Enterprise Act 2002) introduced a new procedure whereby a debtor could come to an arrangement with his/her creditors to pay his/her debts in full or in part over time as an alternative to bankruptcy. The Insolvency Service, an independent government agency, has produced a guidance leaflet on dealing with your creditors. In some cases and with some debt solutions a proportion of debt can be written off. The amount written off will depend on your circumstances, income, level of affordability, assets and the current write-off policy of your creditors.

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