DEBT RELIEF & CREDIT CONTROL
In a modern world where the state milk citizens from the moment they are born with taxes and for many years after they die, it's a welcome sign that while you are alive some states are now safeguarding people from debt with legislation designed to get them back on their feet again quickly. Credit card debt is an example of unsecured consumer debt, accessed through credit cards.
Although each of these debt relief options deals with credit card debt specifically, they are also able to deal with other types of debt including personal loans, medical debt, accounts in collections and more (depending on the specific program type). Still, these programs have not been enough to help enough Americans get out of debt, resulting in a government call-to-action by economists for a massive debt bailout.
DEBT RELIEF ORDERS (DROs)
These may not apply in your circumstances, but if you really are in serious trouble with debts limited to £15,000, then this may apply to you provided that you do not own your own home.
If you have limited assets, debts of less than £15,000 and very little surplus income then a DRO may be applicable.
For example you could be on income support, hence have less than
£50.00 disposable income a month. DROs only apply to unsecured debts.
Citizens Advice Bureau (CAB) typically is a competent authority with an approved intermediary and the application can be completed on-line. Your DRO will appear on a public register and will remain on your credit file for 6 years.
It may be a good idea to seek help from your local Citizens Advice Bureau.
National Association of
Citizens’ Advice Bureaux (CAB)
0207 833 2181
note that Citizens Advice will only consider intermediary applications
employees or CAB volunteers.
Foundation of Credit Counselling (Consumer Credit Counselling Service)
Consumer Credit Counselling
Tel: 0800 138 1111 (Mon - Fri
8am - 8pm)
Contact: Martin Swift
Please note that CCCS will only consider intermediary applications from CCCS staff
www.getbackincontrol.co.uk - a very friendly and helpful advice line: 0800 980 0078
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