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...


Sequestration

Bankruptcy in Scotland is called sequestration. It’s a formal, legal way to write off debts that you can’t repay within a reasonable period of time.
But it shouldn’t be taken lightly: there can be really serious consequences, now and into the future.

So why would you choose it? It gives you a way ahead if you don’t have enough disposable income to apply for a Trust Deed, which is another form of insolvency. And as it’s a legal court process, your creditors can’t take any further action against you, so you’ll know where you stand.

You could be free of your debts in 12 months with sequestration – but bear in mind that your home
or car or other assets could be sold off to pay
your debts. Even if you don’t have to contribute anything, you will still have to pay the
application fee.

You can only apply if:

  • you owe more than £1,500
  • you’ve lived in Scotland for more
    than 6 months
  • you haven’t been made bankrupt or sequestered in the last 5 years.


Get BacktoBlack. Talk to us today

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

SEQUESTRATION:
Advantages

  • 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
  • ON WELFARE BENEFITS? THESE AREN’T CLASSED AS INCOME WHEN CALCULATING YOUR MONTHLY CONTRIBUTIONS
  • A LOW INCOME AND FEW ASSETS MAY MEAN YOU DON’T PAY ANYTHING EXCEPT THE APPLICATION FEE

SEQUESTRATION:
Disadvantages

  • YOU COULD BE MADE TO SELL YOUR HOME OR CAR TO HELP PAY OFF DEBTS, ALTHOUGH A TRUST DEED COULD BE USED INSTEAD
  • YOU CAN’T INCLUDE STUDENT LOANS, COURT AND MAGISTRATE FINES AND ON-GOING CHILD SUPPORT PAYMENTS
  • IT MAY AFFECT YOUR EMPLOYMENT AND YOU CAN’T BE A COMPANY DIRECTOR UNTIL AFTER YOU’RE DISCHARGED (NORMALLY 12 MONTHS)
  • YOU’LL BE LISTED ON AN ONLINE REGISTER OF INSOLVENCIES FOR TWO YEARS
  • IT DAMAGES YOUR CREDIT RATING FOR UP TO 6 YEARS

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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