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.

Got a few questions?

Hopefully you’ll find all
the answers you’re looking
for on this page.

Sometimes, it’s hard to get a handle on
all this debt stuff (believe us we know).

So to make it that bit easier for you, we’ve put together a few
frequently asked questions (FAQs) ~ with the answers of course ~ which
we hope goes some way to helping you make sense of things...


QUESTION:

What types of debt
can I get help with?

ANSWER:

From mortgages to payday loans, credit cards to essential household bills like rent, and your gas and electric – because if you... fall behind with these, you’ll owe them money and they become types of debt too.

Debt becomes a problem when you’re struggling to make payments. It starts to feel hellish and problems can build up. Perhaps your circumstances changed. Or maybe you didn’t twig how much you were taking on and suddenly you’re saddled with high interest rates and charges. However it’s happened, whatever you’re facing, don’t worry ~ we’re here to help!

Find out more on our Types of Debt page
MORE

QUESTION:

How long does it
take to set up?

ANSWER:

You decide the pace and timescale for getting the right solution in place. That’s because, sometimes, taking... a little time is a good thing. Instead of jumping instantly into a long-term commitment, we’d recommend you think about it and feel sure about the next step. Equally, if you want an immediate solution, we can move quickly. Check out our debt solutions here. MORE

QUESTION:

What are the
repayments?

ANSWER:

Each case is unique, so the answer to this one totally depends on your personal circumstances. Your circumstances... and budget go into a set formula provided by the Government, called the Common Financial Statement. It calculates how much you should pay every month. This formula ensures that what you’re asked to pay is fair, and makes sure that your creditor will accept the proposal. MORE

QUESTION:

How long will it
take for me to get
free of debt?

ANSWER:

It depends. It’s all down to how much you owe, how much you can afford to repay each month, and which debt solution is... right for you. We’ll talk over all your options with you, and help you understand how long each approach would take to get debt free. MORE

QUESTION:

Are my house and
my car safe or will
I lose them?

ANSWER:

Most debt solutions will let you keep the things you own (your assets). But some options may require you to give up... some or all of your assets, such as bankruptcy and sequestration. We’ll help you find the right way ahead. MORE

QUESTION:

Will my credit
rating be affected?

ANSWER:

If you’re already struggling with your repayments, this will be showing up on your credit rating. A debt solution will... also show on your credit file, but as soon as you’ve completed your plan you’ll be free to rebuild your credit rating. You can ask organisations like Equifax and Experian to see a copy of your file. MORE

QUESTION:

What happens after I
finish paying the debt?

ANSWER:

After the agreed period is over and you’ve made all your repayments, you will be legally debt free (hurrah!). And it’s... all official, helping you to restart your financial future. You will be formally discharged from your debts and you’ll get a certificate of completion to prove this. MORE

QUESTION:

What will I say to my
creditors if they get
in touch with me?

ANSWER:

It’s a good idea to beat them to it and get in touch first. Say that you’re working out a debt solution with us, and ask... if they’d be willing to give you some breathing space to take the pressure off. Once you’ve started a solution, it’s the IP who will liaise with your creditors and sort everything out. MORE

QUESTION:

I’m a homeowner –
can I still get a
debt solution?

ANSWER:

Yes, whether you own your own home, rent a room or flat or live with your parents, or stay in a council flat. We’ll help you... protect your home – using one of our debt solutions is a safer way to get debt free. MORE

QUESTION:

Can you help with
payday loans?

ANSWER:

Yes, payday loans can be accepted into our debt solutions. In fact, with their typically very high interest rates, taking away... payday loans is one of the biggest ways our debt solutions take the pressure off you, getting you BacktoBlack faster. MORE

QUESTION:

What if I am
self-employed?

ANSWER:

Don’t worry – you’re still eligible for a debt solution. All the normal requirements still apply, you just need to be able to... prove your income. All this takes is, usually, 6 months’ of your trading accounts. MORE

QUESTION:

What is the difference
between secured and
unsecured debt?

ANSWER:

As you can read in our debtionary, secured debt is linked to one of the things you own (an asset) like your car or... home, while unsecured debt isn’t. MORE

QUESTION:

Why would my lenders
accept less than I
owe them?

ANSWER:

With some debt solutions, your creditors may agree to settle for less than you actually owe them. They’d be okay with this... because it’s better than nothing, which could happen if you were able to walk completely away via bankruptcy or sequestration (but don’t forget, that pathway could also mean you losing your home). MORE

QUESTION:

What if I’m already
enrolled in a debt plan
with another company?

ANSWER:

It’s okay. If you’re already tied up with another debt plan that isn’t working well for you, you’re free to switch to a new... debt solution any time. But there may be some consequences, like interest being re-added, and exposing yourself to contact from creditors during the switching. MORE

QUESTION:

Can I cancel my
payments to
my creditors?

ANSWER:

No, please carry on paying even a minimal amount if you can afford to. Even just £1 to each will help. That way, your... creditors will put less pressure on you, as they can see you’re committed to starting a debt solution that will help sort things out. MORE

QUESTION:

Should I open a new
bank account?

ANSWER:

It depends. If one of your debtors is your bank where your current account is, you’ll need to open a new bank account... with a different bank. We can help. It also makes a lot of sense to have a fresh start with a new bank plus a watertight debt solution in place that will sort everything out. MORE

Can’t find the right answers?
The BacktoBlack team are ready
to talk to you, and they sure do know
a lot about all this debt stuff...

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
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

CLOSE

CALL BacktoBlack TODAY ON:

0141 380 0221

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

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