Debt counselling located in Nottingham

Viva Debt Solutions

Debt problems affect people from all walks of life and Viva are able to offer help and debt advice to those on high incomes as well as those on low ones.

Over-indebtedness largely results from a change in financial circumstances. This can be caused by reduced income or overuse of credit, arising from redundancy or changes in employment status. Relationship problems, illness, disability or injury, bereavement, stress and depression are also common causes. We use our credit cards, debt consolidation loans, store cards, catalogues etc, in the hope that it will get us by until things improve.

If you are worried about your debts and not sure what to do then don't bury your head in the sand or suffer the stress by yourself. There are many solutions out there and Viva can guide you through the maze of Debt Solutions on the market, to see what is best for your circumstances.

We will conduct an initial full review of your credit and debt situation, help to work out a personal budget and suggest how spending may be reduced, allowing for essential expenditure, priority debts and living expenses. We will assess whether you have enough income left over to make an offer of repayment to other creditors, will prioritise the debts and decide which debts to deal with first.

If you would like any further information call us today - Local 01159 316 407 or National 0844 846 1705

What do I need to prepare?

It is very helpful if you can have the following information to hand before you start the Debt Counselling process:

• Income, including any benefits or pensions.
• Household bills, including mortgage, rent, utilities and any missed payments.
• Other regular payments you make.
• Unsecured debts, such as credit cards, loans, overdrafts.
• Secured debts, including mortgages or secured loans.
• The value of any assets, for example your house, car or caravan.
• Any court orders or court paperwork you have.

We will show you a range of Debt Solutions and recommend the most appropriate one for you.

Debt Solutions and debt advice

• Debt Consolidation.
• Remortgaging.
• Equity Release.
• Debt Management Plan.
• Administration Order.
• Debt Relief Order.
• Individual Voluntary Arrangement.
• Bankruptcy.

Our debt advice aims are

• Write off debt you cannot afford wherever possible (up to 75% of total).
• Reduce monthly payments to creditors.
• Freeze charges and interest payments.
• Obtain a longer repayment period.
• Protect the clients assets.
• Stop demands from creditors.
• Reduce the stress caused by debt.
  

We aim to help you rebuild your life knowing that your problem is being dealt with sympathetically, confidentially and impartially by a professional debt counselling company.

Viva Debt Solutions Limited

Registered office: 18 Prince Street, Long Eaton, Nottingham NG10 4LH
Register in the UK. Company Reg. No: 7420230