"Wipe Out Your Credit Card Debts, Legally!"

Before September 2008, we could only help clients claim on credit cards with balances over £5,000. We now have Solicitors who are able to claim on credit cards and loan over £1,000. Yes that's any balance over £1,000 and we can also assist clients with loans that they have been paid off during the last 6 years. To find out more information go to: clear credit card debts and complete the Online Form and we will call you back to discuss your circumstances.

Your first port of call should be the Citizens Advice Bureau. Here they will offer you free advice, help and assistance but remember this organisation is generally staffed with volunteers, who have had some training. You should also contact one of the charity funded debt help organisations. They have no axe to grind as they are non-profit-making organisations and they are only interested in helping you.

CCCS or Consumer Credit Counselling Service is one such charity dedicated to providing confidential, free counselling and money management assistance to financially distressed families and individuals. This charity does not charge any fees and they are very helpful, knowledgeable and able to assist you in finding a solution to your debts. Do your own research and you will find many other organisations and internet forums where the public go to talk about their experiences, their problems and solutions. You will often find good advice here from people in the same situation.

Most debt organisations and counselling services will assess your situation and ask you to complete a full financial review to see what you can afford or perhaps cannot afford. These organisations will generally not charge you. They are a free service to help you. The general options or schemes available to help you sort out your debt are Debt Management, Individual Voluntary Arrangements (IVA) or for extreme situations Bankruptcy.

For more information go to: clear credit card debts or money saving expert to discover more information that will help you fight Credit Card Debts. Lets take your problem back to your Credit card companies!

Within the Industry, Debt Management is also called an Informal Voluntary Arrangement (not to be confused with an Individual Voluntary Arrangement). There are companies who will gladly take your debts and turn them into one affordable monthly payment for a monthly fee and in some cases an upfront fee as well. Debt Management arrangements are an informal agreement with your lenders and is not a court approved agreement. Therefore it can be changed whenever required. This means that you will be paying off your debt forever, with no real end date in sight.

The second choice you have is an IVA or Individual Voluntary Arrangement. Here you have a formal arrangement that is done by a qualified IVA practitioner. Under an IVA the term over which the debt is to be paid is agreed by the practitioner and your creditors. This is an official agreement unlike a Debt Management scheme.

With a Debt Management scheme and an IVA you keep your home as long as you continue to pay your mortgage and the agreed monthly payment towards paying off your debt. With these agreements the interest is generally suspended. Both of these schemes protect your home.

Each type of scheme has good and bad points. For example a Debt Management has not been done through the court and your lenders are "bullied" into taking the monthly payments. The Debt Management companies know that your creditors cannot take you to court as long as you are making an attempt to pay something each month. N.B. this does not apply to mortgages, secured loans, hire purchase and leases.

Recent news is that creditors are not readily agreeing to Individual Voluntary Arrangements, and would rather see people go bankrupt. Possibly the reason for this is that the creditor stands to lose up to 75% of the debt and the clients pay back the difference with no interest being charged. Then, after 5 years, clients will walk away with their credit files purged. If the client had gone bankrupt they would be scarred for life - or at least a further 6 years after the bankruptcy period has finished.

For more information go to: clear credit card debts or money saving expert to discover more information that will help you fight Credit Card Debts. Lets take your problem back to your Credit card companies!

Well now there is a fourth option (which is not a Debt Management Solution nor an Individual Voluntary Arrangement (IVA) nor a Bankruptcy Scheme). There is a rapidly growing, yet relatively unknown key to unlocking credit card debit. There are companies in the United Kingdom that have found that Credit Card Agreements and their Terms and Conditions are flawed and therefore invalid and unenforceable,

It is also possible to legally detach yourself from some mortgages, loans and finance agreements. It is estimated that approximately 20 million finance agreements may be flawed and unenforceable. Some lenders have set aside vast amounts of money to pay possible compensation claims that may arise. This fourth alternative solution is capable of wiping out your credit card debts legally and your mortgages, loans and finance agreements. To find out more information go to the resources at the bottom of the article for more information.

For more information go to: clear credit card debts or money saving expert to discover more information that will help you fight Credit Card Debts. Lets take your problem back to your Credit card companies!

These are just three of our most recent success stories - we have many more delighted customers who now wake up each morning without the tremendous worry of debt hanging over them.

1. The first our client Mr. T knew that his credit balance of £12,456.00 had been cleared by his credit card company provider, was when his statement landed on his doormat and showed a balance of zero! Our team of solicitors is now negotiating with the credit card provider for compensation totaling all the payments made throughout the lifespan of the agreement in addition to ALL the interest charged.

2. Mrs. F had a credit card debt of £8,500.00. Once our solicitors began a dialogue with her credit card company, she received a phone call from that company making her an offer to reduce her balance by £4,000.00. Our solicitors felt strongly that Mrs. F would be able to secure a credit for the full amount of the outstanding budget and recommended that she refuse the offer. However, Mrs. F agreed to accept the offer from her credit card company.

3. Mr. R had a credit card debt of £16,342.86; he has just received his monthly credit card statement showing a zero balance. Mr. R called his credit card provider to check that this was correct and they confirmed the balance as ZERO. Our solicitors have now started a dialogue with his credit card company for further compensation.

For more information go to: clear credit card debts or money saving expert to discover more information that will help you fight Debt. Take your problem back to the Credit card companies!