Harley & Smiths
Associates
Specializing in consumer debt solutions, we give guidance on all solutions available.
OUR VISION
Harley & Smiths Associates is an information only website that will point any potential individual into making their own decisions as to what is best advice for them without speaking to companies who try to sell products that are not best for them, all the information on our site is taken from 100% reliable sources that cannot be questioned.
Debt has been around for years and the only way to avoid it is to not borrow! If you do borrow, you must pay when the payment falls due and never borrow more than you can afford, very easy to say we know.
People get into debt for many reasons.
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Borrowing above their means.
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Creditor advertising
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Home improvements
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Car loans
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Overspending
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Redundancy
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Marriage split up
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Death
The list is endless but generally people manage, if they cant they should simply approach the owner of the debt and tell the truth, most will now give people time to pay, reduce payments and freeze interest, but unfortunately people generally use the famous Mr Google and that is where they fall foul of companies who thrive in miss-selling debt solutions and generally the solution is what pays the most commission, then it is too late for most people to get out of the debt spiral.
Harley & Smiths Associates will give you all the potential solutions for you to decide what is the best route for you, we will only comment about debt in England and Wales.
BREATHING SPACE
You can get temporary protection from your creditors while you get debt advice.
DEBT RELIEF ORDERS
Debt Relief Orders (DROs) are one way to deal with your debts if you owe less than £30,000.
INDIVIDUAL VOLUNTARY ARRANGEMENTS
An IVA will stop your creditors taking action against you for your debts.
DEBT MANAGEMENT
A Debt Management Plan is an agreement between you and your creditors to pay all off your debts.
BANKRUPTCY
You can apply to make yourself bankrupt if you cannot pay your debts.
ADMINISTRATION ORDERS
A way to deal with debt if you have a county court or High Court judgment against you and you cannot pay in full.
CONTACT US
OUR ADDRESS
Unit 2D, 2nd Floor
Charlotte House
35-37 Hoghton Street
Southport
PR9 0NS
Tel: 0333 880 3689
Emai: admin@harleysmithassociates.com
For any general inquiries, please fill in the following contact form:
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