Bankruptcy or a Debt Relief Order?
Debt Relief Orders (DROs) and declaring bankruptcy are two solutions to resolve debt. They are similar but have some important differences that will affect your eligibility. One will be more
Blog
Debt and Rising Energy Bills – Not a Good Mix
The ongoing crisis of the rise in the rising cost of living is affecting millions. There’s no getting away from it.
A Debt Management Plan or an IVA?
Debt Management Plan or an IVA? If you are in debt and are looking for a solution to your debt that will benefit you and satisfy your creditors: you have
Did you overspend at Christmas?
If you overspent at Christmas this blog looks at ways you can tighten your belt to manage the financial strain of January.
Bankruptcy or an IVA?
If you are in financial difficulty, then there are several options available to you. Two of these options are bankruptcy or an IVA (Individual Voluntary Arrangement). As with all solutions
An IVA – What are the considerations?
We think that in the right circumstances an IVA is a good way to help you with your debt. But you need to fully consider the consequences before you go
Don’t let Black Friday turn your Christmas Blue.
Don’t miss out, hurry! Last chance to buy. Yes, it is that time of year, Black Friday is here and already the shops have started early. While we are not
Avoiding the Debts of Christmas Future
We don’t want to be a scrooge, but Christmas shopping can be a recipe for increasing debts for many people. We are going to give some tips on how you
“It’s about Treating Customers Fairly” – a Profile of Darren McGrath.
Darren joined the Debt Advice service in August and has already been making a positive impact across the company. He has a core belief of treating the customer fairly and
How do I get out of Debt?
“How do I get out of debt?” The Debt Advice Service have heard this question plenty of times, and whilst there is rarely a ‘one size fits all’ answer, there
Managing your money through Divorce
Our guest blogger Gianna: I am delighted to be asked to guest blog for The Debt Advice Service. I am a family solicitor and director at O’Donnell Solicitors based in
The Lost Art of the Packed Lunch
Here at The Debt Advice Service we know how much you look forward to your lunch breaks, we all do, but is it time to work out just how much
Connect With Us
- 033 3242 3806
- enquires@thedebtadviceservice.co.uk
- The Debt Advice Service, Ram Mill, Gordon Street, Oldham, OL9 9RH
The Debt Advice Service and Freeze Debt are trading styles of Pacific Financial Solutions Ltd which is authorised and regulated by the Financial Conduct Authority FRN 688034 and is registered in England & Wales, Registered Office: Ram Mill, Gordon Street, Chadderton, Oldham, England, OL9 9RH. Company number 09404359. ICO registration number ZA207735.
All information and advice provided by Pacific Financial Solutions Ltd is provided free of charge. However, depending on your chosen debt solution we may pass your details and supporting information to one of our partners / a selected 3rd party to provide you with a service and we may receive remuneration in respect of the work we have done.
For completeness, if you decide to pursue an Individual Voluntary Arrangement (IVA) one or more of our in-house Insolvency Practitioners (IPs) may act Jointly as Nominee with an IP of another partnered firm and we will receive remuneration for providing that service.
Our in house IPs are Jason Bowen who is authorised to Act in the UK by the Institute of Chartered Accountants of Scotland (ICAS). Licence no. 22150 and Laura Stewart who is authorised to Act as in the UK by the Insolvency Practitioners Association (IPA). Licence no. 23590.
Insolvency Practitioners are bound by The Insolvency Code of Ethics in respect of all work relating to Insolvency Appointments.
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