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Debt Support: Personal Insolvency & Personal Bankruptcy Advice.
It’s tempting to bury your head in the sand, but if you have mounting debts it’s vital to take action – and there are lots of things you can do to improve your money situation.
Pay particular attention to your main priority bills – mortgage or rent, utility bills and council tax – and pay those first. But if you don’t have the available funds to pay on time, consider the following options.
- Contact your utility providers (gas, electricity and water) to ask if they offer any schemes to help householders who are having payment difficulties – many do
- If you receive benefits, such as income support, pension credit or income-based job seeker’s allowance, you may be able to have amounts deducted from your benefit and paid directly to your gas and electricity provider (gas and electricity). This demonstrates your willingness to pay off your debts and may prevent you from being disconnected
- If you receive state benefits, contact your benefits office to find out what options are available, such as a crisis loan
For any other unsecured debts, there are various options available to you:
- Speak to your creditor to ask if they would consider a lower payment. Most will be open to this if you can demonstrate that you are unable to pay the full amount
- Apply to your local County Court for an administration order (this is subject to certain conditions)
- If you are facing serious financial difficulty then it’s worth seeking advice on whether or not you should apply for bankruptcy
Mortgage Debt Advice
Like any debt, if you are behind in your mortgage payments it’s extremely important to deal with the problem as soon as possible. Contact your mortgage lender and talk them through your current circumstances. Remember that lenders will only turn to repossession as a last resort and may well be open to considering repayment holidays or extending the type of your mortgage or the length of its term.
If possession proceedings have already been issued and you feel like you are at a real risk of losing your home, your local council’s housing needs department may be able to help find you somewhere else to live.
If you live in Shropshire, click here https://www.shropshire.gov.uk/joint-strategic-needs-assessment/vulnerable-people/homelessness/
If you live in Telford & Wrekin, click here http://www.telford.gov.uk/info/1010/housing/22/homelessness
If you live in Herefordshire, click here https://www.herefordshire.gov.uk/housing/housing-advice
The personal debt and insolvency solicitors here at Lanyon Bowdler are warm, friendly and accessible, and can offer expert legal advice to help you with any debt or insolvency issues. Our lawyers and debt advisers work with clients throughout England and Wales.
We offer a wide range of pricing options, including fixed fees and service level guarantees.
Give us a call or complete our online enquiry form, to see how we can help. We have offices in Shrewsbury, Bromyard, Conwy, Hereford, Ludlow, Oswestry and Telford, so are able to act for clients all over Shropshire, Herefordshire, Mid and North Wales, across the Midlands, as well as anywhere in England or Wales.
Testimonials
What our clients say.
From the first contact, the team at Lanyon Bowdler gave a fast & efficient service. They were very friendly & gave me the confidence that I had found the right solicitors. The advice given & the fast responses were beyond my expectations. The matter was resolved in no time at all.
Martyn
via ReviewSolicitors
Efficient, personable service, from initial telephone contact through to resolution. Costs also very reasonable and transparent.
Mr S Hodder Diplock & Mrs P Joyce
Bromyard
Since dealing with Lanyon Bowdler they have been diligent, efficient and at all times very helpful along with being structured in dealing with matters, fees and clarity on all levels. Thank you.
Michael
via ReviewSolicitors
I was clearly informed of progress step by step. The service you provided was very good.
Peter Weston
Shrewsbury
All work carried out effectively and efficiently.
Hubert Jones
via ReviewSolicitors
An excellent service with solicitors that you can talk to and who give you a clear understanding of all necessary legal implications and interpretations.
Eric
via ReviewSolicitors
From start to finish we had excellent service. Friendly, approachable and professional.
Carl Gittins
via ReviewSolicitors
Very clear, concise advice and guidance, easy to understand.
Ian Jamieson
Telford
Good service provided throughout with clear communication throughout with all options explored.
Lee
I can thoroughly recommend the highly professional and supportive service received over the last few months.
Heather
via ReviewSolicitors
Responsive, supportive, approachable, clear and empathetic.
Lisa Thacker
Professional and prompt communication. Supportive and client focused.
Lisa Thacker
Jennifer M Whittall Ltd
Whenever I have had need to contact Lanyon Bowdler I have always received a fast, concise and friendly response.
Lee Mortimer
UK Case Management
Definitely would use Lanyon Bowdler again if I need the use of a solicitor.
Mark Bowkett
via ReviewSolicitors
Smooth and efficient service from very professional firm.
Tim
via ReviewSolicitors
We were particularly impressed with the quality of work, the speed and excellent communication.
Allenby Douglas Ltd
Oswestry
Very friendly and approachable. Very good advice
Ivor Brown
via ReviewSolicitors
Great Service; Lanyon Bowdler were excellent from the outset. Straightforward and easy process. I just sat back and waited.
Paul Rowe
via ReviewSolicitors
Everything has been professional, efficient and courteous throughout and we are very pleased, both with the service and with the eventual outcome of our case. Everything was first class and exceeded our expectations. Thank you again for providing such splendid service. It is really appreciated.
Mr N J & Dr S J Browne
Llanfyllin
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