TALK TO US...     CALL OUR DEBT HELPLINE: 0141 380 0221

OR CONTACT US ONLINE HERE

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

I consent to BacktoBlack collecting and storing my data from this form and using it in line with their Privacy Policy

Yes, I give you my consent
No.

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.


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.

Whether it’s unpaid council tax
or multiple credit cards, (or both
for that matter), unpaid debt

can become a living nightmare.

We get it. We’ve been there.

And it’s not fun. So if you’re struggling big time with problem debt,
we probably have a solution to your problems. From an IVA in
England, to the Scottish equivalent Trust Deed... read on and we
could help you on your way to Debt Freedom...


Bankruptcy

Bankruptcy is a massive formal and
legal step. It can help you get rid of debts you’re unable to repay within what’s considered to be a reasonable period of time.

Going bankrupt has serious implications for
your future. So it should only be used when you have no other choice. The single appealing
feature of bankruptcy is that you could potentially write off all your debt, but you’d still have court fees and all the stigma and stuff that comes with something this serious!

There are two types of bankruptcy:
involuntary and voluntary.



INVOLUNTARY BANKRUPTCY:

If you owe £750 or more, a creditor can apply to declare you as bankrupt. They start a legal process resulting in a court issuing you with a bankruptcy order. You can’t get out of it.



VOLUNTARY BANKRUPTCY:

You can apply for this when your debts are bigger than your assets. If you don’t qualify for an IVA or you’ve been refused for one, you might consider choosing to go bankrupt.



Either way, your assets are given to a Trustee who manages your Bankruptcy, who can sell these assets, such as your home, to pay your creditors.

Check out the advantages and disadvantages, which are big. One final word of caution: even if
you have no assets, as we said before, going bankrupt is not free – there’s an application fee
of at least £700 to pay.

There’s a super-helpful debt charity you can call, StepChange. You can ask them anything and they’ll help you every step of the way.



Get BacktoBlack. Talk to us today

Or, take your first steps to debt freedom
with our online form

BANKRUPTCY:
Advantages

  • 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
  • PAYMENTS FROM YOUR INCOME CAN ONLY CONTINUE FOR UP TO FOUR YEARS
  • LOW INCOME AND MINIMAL ASSETS? YOU MAY NOT HAVE TO REPAY ANYTHING OTHER THAN THE APPLICATION FEE

BANKRUPTCY:
Disadvantages

  • IT DAMAGES YOUR CREDIT RATING FOR UP TO 6 YEARS
  • YOU’LL BE BARRED FROM SOME JOBS AND YOU CAN’T BE A COMPANY DIRECTOR UNTIL YOU ARE ‘DISCHARGED’ 12 MONTHS LATER
  • YOUR HOME, YOUR CAR AND OTHER ASSETS COULD BE SOLD TO PAY OFF YOUR DEBTS
  • YOU MAY HAVE TO MAKE PAYMENTS TO CREDITORS FOR UP TO 2 YEARS EVEN AFTER BEING DISCHARGED
  • YOU COULD LOSE ALL OR PART OF YOUR PENSION
  • YOU CAN’T BORROW ANY MONEY WHILE BANKRUPT

Don’t worry, we probably
have a solution to your
debt problems.

Let us tell you about them...

Debt Solutions

“Our super-friendly
team of experts
can help you
on your way to
debt freedom.



Talk to us today
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

Are your finances
in the red?



Is your
personal debt bubble
about to burst?

LET US HELP YOU
BEFORE IT DOES
Are your finances in the red?

Are your finances in the red?



Is your
personal debt bubble
about to burst?

LET US HELP YOU
BEFORE IT DOES

Talk to us.
And take that first step
to debt freedom...


CLOSE

CALL BacktoBlack TODAY ON:

0141 380 0221

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

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