Many people fall into debt, but knowing how to escape the spiral of problem debt can be both complex and challenging. Our experts are here to help get you back on a solid financial footing.
Debt affects many different people from all walks of life. With our experience, there is very little the Northern Ireland Debt Solutions team hasn’t seen before.
You may be struggling to keep up with the payments on credit card or store cards, with added late fees and interest making the balance spiral out of control. Perhaps the high interest rate you are being charged for payday loans means your monthly payments are merely servicing the debt and not reducing the overall balance. We can advise people who have fallen into arrears with their mortgage; although this is a very stressful situation to be in, there are options out there and we will do everything we can to help you keep your home.
Debt problems may arise through various situations including divorce, job loss, or simply by spending more money than you are bringing in. Whatever your situation, or the reason you have found yourself in debt, rest assured that there is a solution out there for you.
Other areas we cover;
Our team are based in Belfast and are happy to meet with you at our office or come and visit you at your convenience. We provide a personal service, tailoring our advice to your specific circumstances. Our qualified, expert advisers will take the time to understand your financial problems, and get to the root of what has caused them. This ensures we recommend a solution which will help alleviate the problems now and also put you on a solid footing going forwards.
After losing my job, I started relying on credit cards and payday loans to get me through the month. As the debt build up, I found it increasingly difficult to keep up with the monthly payments and was hit with late penalties and added interest which only made the problem worse.
I was ignoring letters and phone calls, and dreading knocks on the door fearing it was bailiffs. This was when I knew I had to seek expert advice. After contacting Northern Ireland Debt Solutions, I felt an immediate sense of relief. Within a matter of days, the phone calls and threatening letters stopped, and I was finally able to move on with my life.
After burying my head in the sand for many years, I knew I had to face up to my debt problems. I was ashamed of the situation I had got myself in to, and it took a lot of courage to pick up the phone and make that first call to Northern Ireland Debt Solutions.
My adviser was sympathetic to my problems and I never felt as though I was being judged. He explained all of the options which were available to me and explained how each would work in my situation. While bankruptcy is a big step, I knew it was the best thing for my circumstances. I paid off what I could afford and the rest was written off. Three years on, I am in a much better place financially and able to look forward to the future.