TALK TO US...     CALL OUR DEBT HELPLINE: 0141 478 0862

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...


Joint Debts

‘A problem shared is a problem halved’, the saying goes, and the same can apply to joint debts. Couples often take out a mortgage together to buy their home as they can borrow more and afford to pay back more.

Joint debts can also include loans, credit agreements, bank accounts and household bills such as rent, council tax, water charges and utility bills. It’s all well and good when everyone co-operates.

But… if your relationship breaks down, joint debts can cause a whole pile of added stress especially when someone becomes unreliable. If you’re suddenly faced with massive bills it can be alarming, but we can help.

And watch out! When it comes to a credit card, you may think when you choose additional cardholders that they share the liability for whatever they spend. But with credit cards that’s never the case. If you’re the account holder, only you are responsible for clearing the balance.

Didn’t sign up? Ask to see the original paperwork if you’re being pursued for a debt you don’t recognise. If you didn’t sign up, it could be a case of fraud.




How Joint Debts affect you

You may know already that the deal with a joint debt is that when one person fails to make their payments, the other person may become solely liable for the WHOLE entire debt. That can apply to your mortgage or rent, your council tax, gas, electric and water!

It’s common for couples to set up a joint account to share living costs and so on. There may be an overdraft facility included. Bear in mind, if you go overdrawn, you’re both responsible for paying it back. Equally, if you pay in money, the other person can withdraw it.

Sometimes it’s wise to keep your own bank accounts and just transfer over an agreed amount into a joint account to cover your shared costs.

A few facts to bear in mind:

  • If you’re married you’re not automatically liable for any of your partner’s debts in their name alone, even if you live at the same address.
  • With a joint debt, if things go wrong, it will show on your credit file – even if the other person was responsible.
  • Equally, when there’s a good payment history on a joint debt, it helps show other lenders in the future that you’re trustworthy. So in these cases it’s a good thing.


Get BacktoBlack. Talk to us today

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

X   CLOSE   X
Dealing with Joint Debt

If your partner or ex partner isn’t keeping up with their share of joint debts, or if you’re struggling yourself, any action taken by creditors will affect both of you. So try and negotiate with the other person on how the debt can be repaid.

If talking is impossible or one of you simply can no longer afford any of their share, get in touch with the creditor and get expert help on your options.

In the event of someone’s death, either you or your partner, the other becomes fully responsible for repaying the full amount of the debt.

We can help you with expert advice to help you deal with your joint debt.



Get BacktoBlack. Talk to us today

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

X   CLOSE   X
What about child maintenance?

When parents separate, it’s only fair that the one who doesn’t do the day-to-day care continues to pay towards clothes, food and accommodation. No two ways about it: child maintenance is a legal obligation.

It can be agreed and set up privately or, if this isn’t possible, through the Child Maintenance Service (CMS). The amount due is calculated based on your circumstances, and you can calculate an estimate on the Government website.



IN DEBT?

An IVA or Trust Deed has no effect on child maintenance as it will have already been taken into account in working out the IVA or Trust Deed. If you’re in another debt arrangement and child maintenance hasn’t been taken into account, this needs to be reviewed.



NO SOURCE OF INCOME TO PAY?

No matter how many children you share, there’s always a minimum of around £6 per week to be paid in all child maintenance cases. You need to contact the CMS directly if you think you don’t have the income to pay maintenance

The CMS can chase you for missed child maintenance in these ways:

  • Arrest your earnings
  • Deduct money from benefits
  • Take money from a building society or bank account with a ‘deduction order’
  • Appeal to courts for a ‘liability order’ and bailiffs
  • Raise a ‘charging order’ to force a sale of your property
  • Appeal to the High Court to stop you selling property and transferring assets


Get BacktoBlack. Talk to us today

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

X   CLOSE   X
BACK TO DEBT MENU

“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 478 0862

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