Law & Co specialist debt solicitors understand that sound advice can assist clients to better manage their financial matters

Typical financial problems facing individuals today may include car finance agreements, bank overdrafts and credit card debt. At Law & Co we help people improve their quality of life by providing quality personal debt & repossession advice tailored to the needs of every individual.

People often become aware of money problems when they are unable to meet their monthly credit payments. A number of reasons may be taken into consideration, for example income may be reduced as a result of redundancy, bereavement or a career change. Debt repayments may become in arrears, or in cases where creditors may be threatening court action.

We negotiate for our clients to stop bailiffs and or county court judgments. We also deal with debt collection solicitors on a person’s behalf.

What types of options are available to resolve debt issues?

When a person has unmanageable debts, their options generally fall into three categories:

Debt Management

Methods are negotiated to repay everything you owe in an affordable way. In many cases interest and charges can be frozen or waived.

Bankruptcy

Bankruptcy solicitors offer individuals a method to liquidate debts that would otherwise be impossible to repay. The rules however are quite stringent and the assistance of an insolvency solicitor is essential.

Individual Voluntary Arrangement (IVA)

An Individual Voluntary Arrangement (IVA) is an individual agreement with creditors to pay all or part of their debts. With this agreement regular payments are made to an insolvency practitioner, who then in turn divides the funds between all the relevant creditors.

Many of our legal services related to debt advice for individuals may also include:

  • Advise on the best debt management plan as well as the most suitable debt arrangement schemes
  • Insolvency and bankruptcy advice and procedures
  • Assist with debt consolidation and temporary repayment plans
  • Assist with debt recovery options which may include: repossession, remortgaging and full and final settlements.
  • Arrange and assist with individual voluntary arrangements (IVA)

We offer impartial and confidential advice to enable our clients to manage and reduce their debts.

The legal advisers at Law & Co are always ready to impartial and confidential advice to assist with serious debt recovery options or court representation from start to finish.
We will listen to your problems and offer always aim to offer a resolution to get your finances under control.

Law & Co also assist with debt advice matters in the following areas of focus:

  • Writing off unenforceable credit/loan agreements when applicable
  • Dealing with County Court Judgements (CCJ)
  • Writing off unenforceable Credit Agreements

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