Credit card debt loan alternatives

There is an alternative to no credit check loans that could write off up to 80% of your current debts. There are many types of credit card debt consolidation methods into a much smaller manageable payment, such as credit card debt loans or lower interest cards. But these maintain the original debt. An IVA can write off credit cards debts resulting in a significantly lower payment.

✓   Write off unaffordable debt
✓   One monthly repayment
✓   Only pay what you can afford
✓   Stop creditor harassment

An IVA may not be suitable in all circumstances. Fees may apply. Entering into an IVA will affect your credit rating. You could write off up to 80% of your debts upon successful completion of an IVA.(10% of our customers wrote off 80% in the last 12 months, with a typical figure of 25%-75%).

No credit check loans are expensive with massive APRs, far above rates you'll find at credit unions or with online lenders. If you already have a credit card consolidation loan, an IVA could write off most of it. An IVA can also write off unmanageable credit card debts.

Finally, a debt solution that can legally write off most debts. We could help you get out of debt, with your loans, credit cards, catalogues, payday loans and many other debts.

With our financial assistance, you could write off a large portion of your debt.  Stop bailiffs and creditors harassing you over personal, business, or tax debts. You can trust Bennett Jones to help you if you are struggling to pay your debts. We specialise in Individual Voluntary Arrangements (IVA) – a legal solution that allows for unaffordable debts to be written off.

  • Confidential assessment
  • See if you qualify to get out of debt
  • Clear up to 80% of your unafordable debt
  • Stop legal actions, bailiffs, harassing calls and debt letters
  • Save your house, car and other assets
  • No obligation to use our service
  • We are regulated by the IPA
  • No call centres, agents or middlemen

Call our debt team today for immediate debt help and advice. We’ve given debt help to thousands of customers, you can see their 5* reviews on Trustpilot.

The sooner you start dealing with your debt, the sooner you’ll have it beaten. If you need some help getting started with a plan, or if you’re not sure about your exact circumstances, then please contact Bennett Jones for free, confidential help. Typically, the earlier you contact us, the better the outcome.

Our friendly and professional team is here to help you. We are able to explain your current credit score if you are struggling to understand what it means. Our team will retrieve the full, accurate picture of your credit rating and tell you where it may be falling short, without influencing your score.

Credit card debt

All it takes is a few missed payments or going over your spending limit, and you could find yourself with large credit card debt. Whilst credit cards are a form of unsecured loan (meaning you can’t have your assets repossessed), failing to repay can still have a negative impact on your credit score.

In order to keep on top of your credit card debt, consider setting up a standing order every month so you don’t miss repayment dates, and take advantage of comparison sites to find cards with lower interest rates.

If you find that your debts have reached the stage that all you can afford is the minimum monthly payments, meaning that your debts are not reducing, talk to Bennett Jones and we’ll be able to help you take the next steps.

Bennett Jones’ role in your financial recovery

Bennett Jones can investigate what you’re spending, both personally and if you are self-employed in your business, and help you understand whether an Individual Voluntary Arrangement (IVA) is the solution you need. Whether you need an IVA, an alternative debt solution, or simply information to help you organise your spending, we can deliver some peace of mind.