A Debt Management Plan (DMP) is a flexible and informal agreement between you and your creditors to repay your debts at an affordable rate. At CK DEBT HELP, we work with you to create a realistic budget and negotiate with your creditors to reduce monthly payments and freeze interest rates. Our goal is to make your debt repayments manageable, allowing you to regain control of your finances without the pressure of unmanageable payments.

An Individual Voluntary Agreement (IVA) is a legally binding arrangement between you and your creditors to pay off your debts over a fixed period, typically five years. CK DEBT HELP assists you in setting up an IVA, which can significantly reduce the total amount you owe and protect you from legal action by your creditors. With an IVA, you make one affordable monthly payment, and any remaining debt is written off at the end of the agreement.

A Trust Deed is a formal agreement available to residents of Scotland, designed to help manage and repay unsecured debts. CK DEBT HELP guides you through the process of setting up a Trust Deed, which involves transferring your assets to a trustee who will manage your repayments to creditors. This arrangement typically lasts four years, after which any remaining debt is written off. Trust Deeds offer a structured and legally binding solution to debt management, helping you achieve financial stability.

Secured loans are a type of borrowing where the loan is secured against an asset, usually your home. CK DEBT HELP offers secured loan options to help you consolidate your debts into a single, manageable monthly payment. By using your property as collateral, you can often access lower interest rates and more favorable terms. Our team works with you to find the best secured loan solution that fits your financial situation, enabling you to reduce your debt burden and simplify your repayments.