Whatever the scenario, AToM Debt Solutions can help:

Products available through our third party partner include

DEBT MANAGEMENT

If your client is experiencing pressure from creditors and finding it hard to cope, borrowing more money may not be the ideal solution. With our debt management programme we could reduce the monthly payments and clear their existing credit cards, loan and other debts by replacing them all with one single lower monthly payment. Our highly skilled advisers will negotiate with the creditors to reduce the monthly payments, leaving the client hassle free and able to enjoy life again.

IVA

An IVA is a legal process by which people can gain protection from their creditors by entering into a legally binding repayment agreement with them, which is then supervised by a licensed insolvency practitioner. We can explain how you can help your client be debt free in 60 months, paying just one affordable monthly payment.

FULL & FINAL SETTLEMENTS

We will negotiate with your client’s unsecured creditors to settle the outstanding balance at a discounted amount. This can be by as little as 60% of the balance. This will assist you when arranging mortgages or loans to consolidate debt by creating more headroom within the LTV. There is no reason why Full & Final agreements cannot be negotiated for almost every applicant, significantly reducing their monthly payments. Alternatively the client could simply retain any surplus cash generated by the reduction in the outstanding debts.


For more information, please call us or complete our Debt Solutions fact find.

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