Case Study 1
Name: Miss N.
Case: Debt approx £38k
Client struggling to make monthly payments of £785 on approx £38k of debt.
We reduced this to £260 per month and in 60 months she will be DEBT FREE .

Case Study 2
Name: Mr M.
Case: Debt approx £33k
Client paying creditiors over £920 per month. He entered into an IVA in September 1999 and his monthly payments were reduced to £350.
In September 2004 he successfully completed his IVA and is now DEBT FREE.

Case Study 3
Name: Mr S. and Miss W.
Case: Debt £46k
Clients were struggling with payments of over £700 per month to creditors. They entered into an IVA in September 2002 paying creditors £300 per month.
In May 2003 they proposed to re-mortgage and raised £19k which creditors accepted as full and final settlement. By July 2003 they were DEBT FREE.

Case Study 4
Name: Mr and Mrs M.
Case: Debt 106k
Clients were struggling to pay creditors £2,500 per month. In February 2003 they entered into an IVA. Monthly payments commenced at £350, and in February 2004 they subsequently re-mortgaged, surrendered endowment policies and raised just under £47k. Creditors accepted this as full and final settlement. The clients are now DEBT FREE.

Case Study 5
Name: Mr S.
Case: Debt over £59k
Client was struggling with monthly payments to creditors of £1,550 per month.
He enterd into an IVA in September 2004 and his payments were reduced to £440 per month for the next 60 months.
After this time the client will be DEBT FREE.

Case Study 6
Name: Ms H.
Case: Debt £19k
Single mother struggling to pay creditors £560 per month.
She entered into an IVA in September 2004 and her monthly payments were reduced to £250 per month. In 60 months she will be DEBT FREE.

Case Study 7
Name: Mr K.
Case: Debt £25k
Client struggling to pay creditors £600 per month.
He entered into an IVA in September 2004 and his payments were reduced to £240 per month for the next 60 months when he will then be DEBT FREE.

Case Study 8
Name: Ms I.
Case: Debt £22k
Client struggling to pay creditors £500 per month.
She entered into an IVA in June 2006 and we reduced these monthly repayments to £250 per month. In 60 months she will be DEBT FREE

Case Study 9
Name: Mr H.
Case: Debt £46,800k
Client was struggling to pay creditors £1141 per month.
We proposed an IVA in September 2005 and his payments were reduced to £510 per month for the remaining 60 months when he will then be DEBT FREE.

Case Study 10
Name: Mr J.
Case: Debt £82,500k
Self Employed Client was struggling to repay creditors and in fear of losing his business.
He entered into an IVA and repayments to creditors were reduced to £500 per month.
Mr J will be DEBT FREE within 60 months and he has protected his business from demanding creditors.

Case Study 11
Name: Mr P.
Case: Debt £83k
A Self Employed Client was struggling with repayments of £1,268 per month to creditors.
We reduced this to £510 through an IVA and he will be DEBT FREE in 60 months and have piece of mind that his business will be protected from creditors.

Case Study 12
Name: Dr M.
Case: Debt £100k
A Client was struggling to repay monthly payments to creditors of £1,677 per month.
We negotiated with creditors through an IVA and reduced these monthly payments to £550. Dr M will be DEBT FREE within 60 months.

Case Study 13
Name: Mr McE.
Case: Debt £82,550k
A Client was struggling to repay monthly contributions to creditors of £2,875 per month.
Upon entering an IVA we reduced this payment to £755 and within 60 months he will be DEBT FREE thus avoiding the publicity of bankruptcy and without his employer being contacted.