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...


Debt Management
Plan (DMP)

A Debt Management Plan (DMP)
can be a good short-term solution, helping you pay off your debts at a more affordable rate by reducing your monthly payments into one manageable amount.

The first key difference with an IVA is that a DMP isn’t legally binding. That means it doesn’t protect you. But it does show you’re happy to tackle your debts, and that goes a long way towards building goodwill with your debtors. The second key difference is that you can’t write off any debt
with a DMP… it simply makes it much
more manageable.

A DMP can be helpful for catching up on household bills for example, when you’ve fallen behind. But it may not the best solution when you have higher levels of debt. It could take much longer to get debt-free.

What’s more, your creditors aren’t required legally to play ball with a DMP (unlike an IVA).
So they could still pile on interest and charges – and they could still take action against you if the agreement fails.



WE’LL HELP YOU WEIGH UP YOUR OPTIONS AND FIND THE BEST SOLUTION…

If a DMP is right for you, we’ll help you put one in place with the following steps:

  1. First we work out your monthly household budget with you, so you can demonstrate how much you can afford to pay back.
  2. Next, we arrange lower monthly payments for you by extending your debts over a longer period of time.
  3. When your DMP is set up, you make one monthly payment to us – and we split it between your creditors.

Your single monthly DMP payment will be lower than all the current payments you’re trying to cope with. You’ll have the peace of mind knowing you can afford to stick to it, because we’ve worked out your all-important monthly budget with you.



Get BacktoBlack. Talk to us today

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

DEBT MANAGEMENT PLAN:
Advantages

  • 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
  • BY PAYING OUT FOR LONGER YOU GET A LOWER MONTHLY REPAYMENT
  • YOU DON’T NEED TO NEGOTIATE WITH YOUR CREDITORS - WE’LL DO IT FOR YOU

DEBT MANAGEMENT PLAN:
Disadvantages

  • IT’S NOT LEGALLY BINDING SO YOU DON’T HAVE LEGAL PROTECTION
  • YOUR CREDITORS CAN STILL ADD INTEREST AND CHARGES, SO YOU COULD INCREASE THE TOTAL AMOUNT YOU CURRENTLY OWE
  • YOUR CREDITORS CAN START LEGAL ACTION AT ANY TIME, EVEN WITH A DMP IN PLACE
  • THE DRAWBACK OF LOWER, MORE AFFORDABLE PAYMENTS IS THAT IT TAKES LONGER TO REPAY YOUR DEBTS

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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