Recently, we talked about dealing with debt collectors and provided you with some useful information on your rights and responsibilities.  But what about if your dealings with debt collectors were to go that one step further?  What about legal action? Today, we explain what legal action your creditors can take against you and what you… Read more

Inevitably at this time of year, our attention is drawn to the dreaded tax return.   Though for some of us, we view it as the answer to our debt problems. At Life After Debt ® we consistently hear from people who delay dealing with their debt problems in the hope of receiving a nice… Read more

Ever missed a payment on your credit card?  Have you then been thumped with unexpected charges from your bank? Banks conduct regular reviews on your credit card limit and interest rate, based on a number of factors of which repayment history is one. Thoroughly check the terms and conditions on your credit card to avoid nasty surprises…. Read more

Loan Consolidation (or debt consolidation) is a phrase used so often and yet one of our most FAQs is “What is Loan Consolidation?” We have put together a quick explainer video to help; https://youtu.be/7HitWOk75r4 The Cambridge Dictionary defines ‘consolidate’ as a verb: To become stronger and more certain; To combine several things so that they become… Read more

A Part IX, or Debt Agreement is a means to compromise your current repayments on unsecured debts so that they are included within one package.   It is NOT a loan, just a re-negotiated way to repay your debts and avoid Bankruptcy.  It is initially put forward as an offer to your Creditors, who will… Read more