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A ray of hope is provided through a piece of little known legislation which offers a number of beneficial options.

• Serious debts (both personal   and business) can be frozen,   massively reduced and repaid   interest free over long   periods.
• Interest charges can be   stopped.
• Bailiffs can be turned away   empty handed.
• Any legal action can be   frozen.
• Personal Bankruptcy can be   permanently avoided.

I am a totally independent debt management specialist and I am here to help you implement any or all of the above, and to advise you on alternative solutions if they are more appropriate.

in debt and need help?
worrying about money problems
Got Debt Problems ?

Help is at hand if you are suffering the nightmare of bailiffs knocking on the door, unpaid County Court Judgements, (CCJ’s), or other serious financial difficulties.

Throughout the 20 years I was running my accountancy practice, I saw many individuals and business owners suffer the stress and trauma of debts they were unable to control. I saw that those in my profession who were qualified to handle Insolvency, were obliged to act for the benefit of the creditors, and not for the benefit of those desperate individuals facing the prospect of losing their homes, their businesses and everything they had worked for.

Now I am working with IDC-solutions, the experts who are on your side, and can safely guide you out of the worst of situations.

Debt Consultants

You have probably been approached by a number of Debt Consultants. I strongly recommend you at least try my FREE information service before making any firm commitment. I am an independent debt consultant, in a position to offer impartial advice and a wealth of experience. We are here to provide a solution which is in your best interests, and to help you protect your assets.

One further thought. Your situation may not be as desperate as it seems
• If there is a simple solution, we will point you to it.
• If a mortgage is the answer, we have the expertise and independence to find you the   best possible deal.

Your home may be repossessed if you do not keep up repayments on your mortgage.

• If you do need insolvency advice, we will not throw you to the wolves, but will   introduce you to our colleagues at IDC-solutions who, for a fixed, one-off fee will   guide you through the whole process from beginning to end. They will stand up for   your rights against any Insolvency Practitioners (IP’s) who may be appointed, or the   Official Receiver (OR), they will help you to turn bailiffs away if necessary, and they   will even attend Court on your behalf to defend repossession proceedings. With the   correct help and support you should not have to lose your home, no matter what the   circumstances.

Things to avoid with County Court Judgement or bankruptcy notices.

If you have been on the receiving end of a County Court Judgement or bankruptcy notice, you will be inundated with letters from companies promising to help you. These companies will probably be one of the following:

Bankruptcy Petition

• They may be solicitors offering to defend you against a bankruptcy petition. As such   they will almost certainly have links to an Insolvency Practitioner, and you may find   yourself directed into an Individual Voluntary Arrangement (IVA), whether that really   is the best solution for you or not.

Debt Management Companies

• They may be Debt Management Companies (calling themselves professionals or   consultants), offering to provide you with a solution that avoids a formal insolvency,   and solve your problems by reducing your debts by 70% and negotiating affordable   repayments. Unfortunately most of these companies do not provide a permanent   solution, and will usually leave you vulnerable to legal action from any of your   creditors. Just when you think it has all gone away you could be in for a nasty shock,   and having paid what you can afford to these people, you will have nothing left with   which to fend off that aggressive creditor who simply ignores the informal   arrangement. It has taken us a long time to find a Debt Management Company that   will not leave you exposed, but we do have every confidence in our colleagues at IDC-   solutions to give you genuinely professional support.

Corporate Rescue Practitioners

• They may be corporate rescue practitioners, who will be able to help your company   to improve it’s trading in the long term at a cost. For more immediate problems   however, they will simply take a fee and refer you to a local Insolvency Practitioner   whose main interest, and obligation, is to get the best deal for the creditors and not   for you.

Mortgage Companies

• They may be a mortgage company looking to sell you a mortgage solution. As such   they are unlikely to have the expertise or experience to identify any deeper problems   or to suggest any alternative solutions should they be more appropriate. They may   well also have a link to an Insolvency Practitioner which is where you will be referred   if they can’t find you a solution.

Corporate Debt Consultants & Insolvency Advisers

• They may describe themselves as corporate debt consultants or insolvency advisers.   These people will normally just be a front for an Insolvency Practitioner, because   licenced Insolvency Practitioners are not allowed to advertise directly for business.   Why is that? It is because they are appointed to extract the maximum amount of   money to cover their fees and to pay to your creditors as much of your money as   possible by getting their hands on your assets. It is not their business to preserve as   much of your wealth as possible so that you can rebuild your life after it is all over,   quite the reverse in fact.

What you need is a company that will appraise your situation and give you the advice you need to preserve as much as possible of your wealth for a low, fixed cost, whilst minimising the damage arising from what we hope will turn out to be temporary difficulties. (Temporary difficulties can easily turn into permanent poverty if you take the wrong advice).

How we do this for you is explained on the next page in “the process”.
Your next step to solving your problems with Strictly Debt

1. Call me personally on 0800 0277903 or 0777 9644849

2. When we speak, we can discuss the second step which may     be to meet. We can do this on neutral territory, in the comfort     of your home, or even by telephone -whatever you prefer.

 we solve debt problems

Financial Difficulties Gloucestershire ~ Serious Debts Gloucestershire ~ Debt Management Gloucestershire ~ Strictly Mortgages Cheltenham ~ Debt Problems GL DY BS HR WR ~ Bailiffs Warrants Gloucestershire ~ Repossession Proceedings Gloucestershire ~ Bankruptcy IVA Insolvency West Midlands ~ Liquidation Administration Gloucestershire ~ County Court Judgement

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