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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...


Individual Voluntary
Arrangement (IVA)

An IVA is a great, simple and secure
way to sort out your debts.

It’s a type of repayment plan, and as the name spells out, it’s an individual voluntary arrangement between you and your creditors. Plus you get the chance to write off up to 80% of your debts. Good news, isn’t it?

The way it works is that you pay back your creditors by monthly repayment over 60 months, giving you plenty of time to get your debts straightened out – unless you have a windfall and can pay it back sooner. Otherwise, each month, you pay an affordable amount you both agree on.
* You can feel confident committing to it – you’re on the countdown to being debt free. You’ll know
in advance how much debt will be written off at
the end of the agreement so long as you keep
up with all your repayments



LEGALLY BINDING AGREEMENT =
SAFE AND SECURE

You can apply for an IVA if you have unsecured debts of typically £5,000 or more, and it’s open for people living in England, Wales or Northern Ireland. It’s a legally binding agreement arranged by a professional insolvency practitioner (IP) who will manage it all for you. Your creditors must stick to their agreement and deal only with your IP throughout the time of your plan. It protects you and, so long as you keep to your agreement,
leaves you feeling hassle-free.

Before taking any steps, we’ll talk through an IVA and other debt solutions, to make sure you do what’s best for your circumstances. We’ll also introduce you to the right IP, making everything simple and straightforward.



Get BacktoBlack. Talk to us today

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

INDIVIDUAL VOLUNTARY ARRANGEMENT:
Advantages

  • 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
  • AFTER YOUR FINAL PAYMENT ANY REMAINING DEBT IS WRITTEN OFF
  • NO NEW INTEREST OR CHARGES CAN BE ADDED SO YOU KNOW WHERE YOU STAND
  • PEACE OF MIND – EVERYTHING’S UNDER CONTROL

INDIVIDUAL VOLUNTARY ARRANGEMENT:
Disadvantages

  • IF YOU MISS PAYMENTS, YOUR IVA COULD FAIL AND YOUR CREDITORS CAN DIRECTLY DEMAND PAYMENT FOR WHATEVER YOU STILL OWE
  • 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
  • YOU CAN’T TAKE OUT UNSECURED LOANS DURING THE ARRANGEMENT

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

Let us tell you about them...

Debt Solutions
A couple examples of how you could write off
up to 80% of your personal debt...
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

“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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