Moneyexpert.com
is one of the leading debt management companies in United Kingdom
many years of experience and thousands of satisfied customers are a
guarantee that we know our job and we do it very well. We think our
methodology is the best of the market as we combine financial
education with the help you need to pay your debts; the final result
is our customers end their debts and improve their credit ratings.
We
believe our customers should get a bonus because they are making the
effort to pay their debts, many companies would advise people to go
for a bankruptcy process; we do not. Many people think that cleaning
off their debts with a bankruptcy process will be kind of a free
lunch when you come take as much debt as you can and when you see it
will be impossible to cope with so much debt you start a bankruptcy
process. Filing a voluntary bankruptcy process at the administration
of the bankrupt person´s affairs is simple and costs little money
and many people may think it is the best way to get off a heavy
burden like a debt is.
But we
disagree because when a financial company which is your creditor by
the way, does not get the money back they only thing they can do is
to use your personal information very smartly. How do they use it?
They sell your personal information to other lender and to credit
reference agencies which advise lenders on how much money they can
lend to a person or a company. Once your spotless record at the
credit rating company has been tarnished with your voluntary
bankruptcy, the damage has been done and for a long period time.
It is
true that your name will be written on the Individual´s Insolvency
Register for a limited period of time, which is 3 months after your
bankruptcy case has ended, the Land Registry if your property is no
longer needed to pay your bankruptcy and the Land Charges Register
where your name will be after 5 years from the date the court made
you bankrupt.
That
means your name will be severely exposed to anybody who wants to
investigate your finances and they can do without your consent and it
is totally legal. Bankruptcy will tarnished your credit worthiness
in a way that will not be ease to clean and you will have to spend a
bunch of time (or money) going from credit agency to credit reference
agency to clean your good name updating all the information regarding
you are free of your bankruptcy and even so many financial
institutions will not give you a loan after having updated your
credentials at the credit rating companies just because of the fact
you were bankrupt.
This
is the reason why the best debt management advice is so important,
being indebted is transitory but your good name and credit worthiness
will accompany you your whole life.
There
are more reasons to get always debt management advice, bankruptcy may
sound like an easy process to get rid of your debts but take in
account your assets will be compromised too. When you file for a
voluntary bankruptcy you will have to be true with the Official
Receiver and give all the information regarding your assets and
debts, moreover your savings, bank accounts and your pensions could
be endangered in a process of bankruptcy.
If you
did not get the best debt management information, you would get wrong
ideas regarding how to dump your debts, and many professionals will
tell you bankruptcy is the easiest and fastest way to do it.
Please
visit us at moneyexperts.com and let us provide you with all the
legal information available and all our experience accumulated in
many working years helping debtors, so you can come with the best
solution.
Our
debt management advice can be summarized in these important points:
- There is no free lunch
We
always advocate for the better debt management advice because in a
debt process nothing will be free, just anything will come with a
price tag and not always in the form of goods, it can be in the form
of money like the assets you will have to sell during a bankruptcy,
in the form of money as the Official Receiver or the trustee will
have access to your bank accounts and pensions, or the in form of
intangibles like your good name, reputation or credit worthiness. Be
sure of one thing your creditor will try to get the best deal he can
from your bankruptcy and the Law allows him or her to sell even your
personal information.
- Nothing is easy
When
we talked about informed decisions and debt management advice we mean
we will give the whole package. The whole package regards a crucial
point regarding indebtedness how much can I spend to live and how
much can I save from my different sources of income to pay my debts.
We will do our part which is in many cases bundling the debts and
always getting lower interest rates to give you much needed breathing
space and time, in order you begin reducing expenses and looking for
another type of revenue and income. Do not despair with the debt
management information we will inform you about many opportunities to
expand your income like buying a laptop instead a tablet and get some
job on the Internet like online assistant.
- Crisis can turned into opportunities
Taking
action regarding your debts is the best thing you can do and we will
tell you in our interviews about debt management advice. Once you
have all the debt management information you will take the a sound
decision and we will work with you covering all the important areas
and we will help you to turn a sour accident with into a happy new
beginning of a life where debt is necessary but for important matters
that will be productive for our living and for our income, the laptop
example. Let us show you credit worthiness is important and using
credit with good and safe principles can make you more prosperous,
happier and confident.
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