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OR CONTACT US ONLINE HERE

Get in touch with us at BacktoBlack...
Hey there!

We welcome any comments or questions you may have
for us. Or, if you have something you’d like to ask,
well we’d also really be delighted to hear from you.
Just send us your details below and we’ll be in touch...


CHEERS!

...thanks for the mail.
If you’ve asked us something,
we’ll be in touch soon.

Are your
personal debt
levels
in the RED?

Don’t worry,
we can help
you get
BACK to BLACK.


START HERE

This is your first step
to Debt Freedom

Just tell us a little bit about
your situation and we’ll work out
how you can get BacktoBlack.

We’ll then get in touch
and get you on your way...

You maybe able to WRITE OFF UP TO 80% OF YOUR PERSONAL DEBT
Take your first steps to debt freedom
with BacktoBlack...

STEP 1:  tell us about your debts...

Fill in your details, and take the next step...

OK, good. You’re well on your way
BacktoBlack. Now for the next step...

STEP 2:  your employment status...

  • EMPLOYED
  • SELF-EMPLOYED
  • UNEMPLOYED
  • PENSION
  • STATE
    BENEFIT
  • OTHER
Fill in your details, and take the next step...

Nice! Now that wasn't so hard,
was it? Step 3 coming right up...

STEP 3:  you and your home...

  • OWN
  • RENT
  • ENGLAND
  • SCOTLAND
  • WALES
  • NORTHERN
    IRELAND
Fill in your details, and take the next step...

We're almost there!
Step 4 is not so bad either...

STEP 4:  what is your credit rating...

  • EXCELLENT
  • GOOD
  • FAIR
  • POOR
  • VERY POOR
  • I DON'T
    KNOW
Fill in your details, and take the next step...

How easy was that?! All we need to know
now is how we get in touch with you..

STEP 5:  how should we contact you...

MY NAME & SURNAME
MY PHONE NUMBER
MY PREFERRED TIME
MY EMAIL ADDRESS
Fill in your details, and take the next step...

Now press that send button, and you
could be on your way to debt freedom...

OK, GREAT!

...we’ll be in touch soon to discuss
your options, and help get you on
your way to Debt Freedom.


Bring your smile back  : )

We know what you’re going through. The worry,
the sleepless nights, the feeling of being helpless.

We can help take it all away. Debt consolidation
needn’t be scary, or difficult. With our expertise,
we aim to make it as easy as possible for you
reach your goal of becoming Debt Free
– sooner rather than later.

Find out how we can help, Take the Steps
right now and change your life for the better.

CHANGE YOUR LIFE TODAY
  • WRITE OFF A LARGE CHUNK OF YOUR DEBT AND FREEZE INTEREST CHARGES
    WRITE OFF A LARGE
    CHUNK OF YOUR DEBT
    AND FREEZE
    INTEREST CHARGES
  • HAVE JUST ONE
    AFFORDABLE
    MONTHLY PAYMENT
    HAVE JUST ONE AFFORDABLE MONTHLY PAYMENT
  • WE TALK TO YOUR LENDERS AND GET RID OF MOST, IF NOT ALL OF THOSE CALLS AND DEMAND LETTERS
    WE TALK TO YOUR
    LENDERS
    AND GET RID
    OF MOST, IF NOT ALL
    OF THOSE CALLS
    & DEMAND LETTERS
Get back to Happy : )

START HERE
Get back to Happy  : )
Get back to Happy : )

START HERE

How it works

PAY BACK ONLY WHAT YOU CAN AFFORD

  • Lower monthly repayments,
    typically over 48 months

WRITE OFF THE REST

  • Remaining unaffordable debt
    is written off

KEEP YOUR HOME AND CAR

  • Equity release and conditions
    may apply

A LEGAL AGREEMENT IN PLACE

  • A contractual solution between
    you and your lender
CHANGE YOUR LIFE TODAY

What are your options?

Individual Voluntary
Arrangement (IVA)

Available in England, Wales
or Northern Ireland

  • YOU MAY BE ABLE TO WRITE OFF UP
    TO 80% OF YOUR DEBT
  • REPAY THE REST WITH A SIMPLE PLAN
  • NO MORE NUISANCE CALLS OR LETTERS – PAYMENT DEMANDS ARE STOPPED
  • NO NEW INTEREST OR CHARGES CAN BE ADDED SO YOU KNOW WHERE YOU STAND

  • IF YOUR IVA FAILS, YOUR CREDITORS
    CAN ADD NEW INTEREST & CHARGES
  • WITH A FAILED IVA YOUR CREDITORS
    CAN PURSUE YOUR BANKRUPTCY
  • YOUR CREDIT RATING IS AFFECTED
MORE ABOUT THIS
DEBT SOLUTION
Debt Management Plan (DMP)

Available UK ~ wide

  • TAKES AWAY STRESS WITH ONE
    SIMPLE PAYMENT
    DIVIDED AMONGST
    YOUR CREDITORS
  • YOUR ASSETS ARE PROTECTED AND
    YOU DON’T NEED TO RELEASE EQUITY
    FROM YOUR HOME
  • YOU DON’T NEED TO NEGOTIATE
    WITH YOUR CREDITORS - WE’LL DO
    IT FOR YOU

  • IT’S NOT LEGALLY BINDING SO YOU
    DON’T HAVE LEGAL PROTECTION
  • THE DRAWBACK OF LOWER, MORE AFFORDABLE PAYMENTS IS THAT IT
    TAKES LONGER TO REPAY YOUR DEBTS
MORE ABOUT THIS
DEBT SOLUTION
Bankruptcy

Available in England, Wales
or Northern Ireland

  • A CHANCE TO START AFRESH AND
    WRITE OFF UP TO 100% OF YOUR DEBT
  • IT’S QUICK – YOU CAN BE DISCHARGED
    IN 12 MONTHS AND ALL YOUR UNPAID
    DEBTS MAY BE WRITTEN OFF
  • ONCE YOUR CREDITORS KNOW, THEY
    CAN’T HARASS YOU
    OVER UNPAID DEBT

  • IT DAMAGES YOUR CREDIT RATING
    FOR UP TO 6 YEARS
  • YOUR HOME, YOUR CAR AND OTHER
    ASSETS COULD BE SOLD TO PAY OFF
    YOUR DEBTS
MORE ABOUT THIS
DEBT SOLUTION
Trust Deed

Only available in Scotland

  • YOU MAY BE ABLE TO WRITE OFF UP
    TO 80% OF YOUR DEBT
  • INTEREST AND CHARGES ARE FROZEN
  • CONSOLIDATE YOUR DEBTS INTO
    ONE PAYMENT YOU CAN AFFORD
    FOR USUALLY 48 MONTHS
  • STOPS LETTERS AND CALLS
    FROM CREDITORS

  • YOUR CREDITORS COULD OBJECT TO
    YOUR TRUST DEED BECOMING ‘PROTECTED’
    IN THE FIRST FEW WEEKS, MEANING THEY COULD STILL TAKE FURTHER ACTION
    AGAINST YOU
  • IF YOU MISS PAYMENTS, YOU’RE
    AT RISK OF BANKRUPTCY
MORE ABOUT THIS
DEBT SOLUTION
Sequestration

Only available in Scotland

  • YOU COULD BE DEBT-FREE IN 12 MONTHS,
    SO LONG AS YOU CO-OPERATE
  • TAKES AWAY STRESS – WE’LL CONTACT
    YOUR CREDITORS FOR YOU
  • ALL UNSECURED DEBTS ARE NORMALLY WRITTEN OFF, ALTHOUGH YOU MAY HAVE
    TO MAKE CONTRIBUTIONS FROM YOUR
    INCOME FOR UP TO 4 YEARS

  • YOU COULD BE MADE TO SELL YOUR HOME
    OR CAR TO HELP PAY OFF DEBTS, ALTHOUGH
    A TRUST DEED COULD BE USED INSTEAD.
  • IT DAMAGES YOUR CREDIT RATING
    FOR UP TO 6 YEARS
MORE ABOUT THIS
DEBT SOLUTION
Debt Arrangement Scheme (DAS)

Only available in Scotland

  • STOPS CREDITORS FROM TAKING
    LEGAL ACTION AGAINST YOU
  • WE DEAL WITH YOUR CREDITORS FOR
    YOU, TAKING AWAY THE STRESS
  • YOUR HOME IS SAFE SO LONG AS YOU
    KEEP UP WITH YOUR MORTGAGE OR
    RENT PAYMENTS
  • MONTHLY PAYMENTS ARE BASED ON
    WHAT YOU CAN REASONABLY PAY

  • IT CONTINUES UNTIL YOUR DEBTS
    ARE REPAID
  • YOU CAN’T WRITE OFF DEBT – ONLY
    FREEZE ALL YOUR INTEREST, FEES,
    PENALTIES AND CHARGES
MORE ABOUT THIS
DEBT SOLUTION
Unsecured Loan

Available UK ~ wide

  • ONE FIXED MONTHLY REPAYMENT
    MAKES IT EASIER TO BUDGET
  • IT CAN BE CHEAPER THAN A CREDIT CARD – AND YOU COULD BORROW A HIGHER
    AMOUNT TO REPAY YOUR OTHER DEBTS
  • THE INTEREST RATE YOU PAY IS USUALLY
    FIXED (BUT NOT ALWAYS)

  • THEY CAN HAVE HIGHER RATES OF
    INTEREST THAN SOME OTHER TYPES OF BORROWING, ESPECIALLY ON A SMALLER AMOUNT SUCH AS £1,000
  • EARLY REPAYMENT CHARGES CAN
    APPLY IF YOU WANT TO CLEAR YOUR
    LOAN FASTER
MORE ABOUT THIS
DEBT SOLUTION

A few examples not to be sniffed at...

PREVIOUS

Everyone’s situation is different. John lost track of his debts after
a family member passed away and he helped with their funeral costs.
BacktoBlack helped him get back on track...

JOHN’S MOUNTING PROBLEM DEBTS:

Credit Cards: £6,499
Store Cards: £4,250
HMRC: £4,900
TOTAL DEBTS: £15,599

JOHN’S IVA APPROVED THROUGH BacktoBlack:

TOTAL DEBT
WRITTEN OFF:
£9,599
NEW DEBT TOTAL: £6,000
PREVIOUS
MONTHLY DEBT
PAYMENT:
£

BEFORE
TAKING STEPS
TOWARDS DEBT
FREEDOM

NEW
MONTHLY DEBT
PAYMENT:
£

61%
OF DEBT
WRITTEN OFF*

...and he’s now on his way BacktoBlack :)

* This example is based on a 60 month DMP and a minimum payment rate of 2.5%.
It is for illustration purposes only. Your results will vary based on your unique financial situation.

Everyone’s situation is different. Jean was in over her head with
debt after a big reduction in her earnings. She tried to borrow her way out
of trouble, but it didn’t work. BacktoBlack helped her get back on track...

WE HELPED
JEAN WITH HER
MOUNTING DEBTS:

Credit Cards: £20,000
Car Shortfall: £6,000
Personal Loans: £4,000
Payday Loans: £2,250
TOTAL DEBTS: £32,250
TOTAL DEBT
WRITTEN OFF:
£25,000
NEW DEBT TOTAL: £7,248
PREVIOUS
MONTHLY DEBT
PAYMENT:
£

BEFORE JEAN’S
TRUST DEED WAS
APPROVED THROUGH
BacktoBlack

NEW
MONTHLY DEBT
PAYMENT:
£

77%
OF DEBT
WRITTEN OFF*

...and she’s now on her way BacktoBlack :)

* This example is based on a 48 month Trust Deed and a minimum payment rate of 2.5%.
It is for illustration purposes only. Your results will vary based on your unique financial situation.

NEXT



You are not alone. We have the expertise and
know how to help you become Debt Free.

Get in touch today!

FACT SOURCE

“It’s honestly a huge
weight off my shoulders…
no more sleepless nights
worrying about my debt.”

With BacktoBlack Alistair WROTE OFF
£24,000 OF DEBT and his IVA will
make him debt free in 48 months.

YOU COULD BE DEBT FREE TOO
Make your life simpler
AND LET US DO THE WORK.
GET IN TOUCH OR APPLY ONLINE.

START HERE
Make your life simpler
Make your life simpler
AND LET US DO THE WORK. GET IN TOUCH OR APPLY ONLINE.

START HERE

Get started.
Don’t put it off any longer.

We're with you all the way

Nice to meet you

Click below and we’ll tell you a little bit
more about us. Our story is based around
our experience with problem debt.
Find out why we enjoy what we do here at
BacktoBlack, what makes us tick, and how we
can help you change your life for the better!

FIND OUT MORE ABOUT US
All the gobbledegook explained (we hope!)

Not sure what’s what?

Don’t worry, we know how you feel.
All these fancy debt words are hard to keep
track of. So to make things easier for you, we’ve
put together a BacktoBlack Debtionary to help
explain the jargon! That way you’ll be up to speed
in no time at all, and ready for that pub quiz.

TAKE ME TO KNOWLEDGE CENTRAL
Get back to being you
GET OUT OF DEBT AND BACK TO BEING WORRY-FREE.
LET US HELP YOU GET THERE.

YES PLEASE
Get Out Of Debt
Get back to being you
GET OUT OF DEBT AND BACK TO BEING WORRY-FREE. LET US HELP YOU GET THERE.

YES PLEASE

Join our community

Keep in touch with all our latest
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GO ON, LIKE US. YOU KNOW YOU WANT TO

and, so you know

We are accredited by the ICAEW as
Licensed Insolvency Practitioners in the UK.

If you’d like more info on managing your
money and getting free advice, visit Money
Advice Service
, an independent service
set up to help people manage their money.

Why not let us
get in touch, how and
when it suits you

If you’d prefer we can call you, or get
in touch by email. Just fill out and send us
your details below
and we’ll happily get
back to you quicker than you can say ~ “in a jiffy.”

And needless to say, it’ll be confidential
and just between us.

Thank you,
we will be in
touch shortly.


CLOSE

CALL BacktoBlack TODAY ON:

0141 380 0221

...and talk to one of our super~friendly team of debt experts.

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