Despite claims to the contrary many firms offering debt advice in Ireland today are neither qualified nor experienced to do so.
We at Debtfix were one of the first set up to deal specifically with secured debt management and can call on this experience to offer you many options,
Advice
Advice: Some clients simply want to run something by us or get a second opinion on we are happy to provide an execution only service. This is appropriate where debt levels are low or relatively simple and the client perhaps just wants some reassurance before entering into an agreement with a lender. We are happy to be as involved or not as you wish just let us know at your initial consultation.
Budget Advisory Service
Budget Advisory Service: We can help you review your income and prioritise your debts based on best practices. We can compose letters to your creditors and offer them repayments based on you current circumstances. We can seek additional time or restructure
SFS & MARPS
SFS & MARPS: Many of our clients get confused with all the requirements of the mortgage arrears resolution process and particularly completing the standard financial statements we can help. This can be a simple as helping you initially with forms, to providing a full third party representation service.
Bank Representation
Bank Representation: This is the service most often requested wherein we can take away the stress of having to meet and talk with a lender who often uses a language you simply don’t speak. As an authorised representative we can arrange to take all calls and meet with your creditors to find the optimum outcome. This can allow you to focus on work or simply get on with your life knowing your affairs are in professional hands.
Bank Negotiations
Bank Negotiations: Often more experienced investors may have some equity or unencumbered assets and require a specialist negotiator. This may also apply to complex tenants in common, separation or non standard debts. We can carefully discuss and tailor a solution on a case by case basis please contact us for more details.
Voluntary Fixed Asset Receiver
Voluntary Fixed Asset Receiver: Lenders usually require asset disposal towards lowering overall debt levels. We at DebtFix specialise in this process and have been to the fore of voluntary receivership, which lowers the cost while maximising the return from asset disposal which ultimately is a win win for both bank and client.
Personal Insolvency
Personal Insolvency: See our section on Personal Insolvency
Please contact us for an informal discussion on any aspect of Debt Management or Personal Insolvency which may help you.