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Debt Management

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The following online business directory lists companies that provide a range of Debt Management services including debt consolidation, cash flow management, debt recovery, invoice factoring, company liquidation, administration and receivership services and many more...
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Best practise advice and guidance for individuals and small companies struggling with debt. We work with both individuals and companies to help resolve their debt problems...
Vilcol offers debtor tracing and recovery services to clients across the UK. Services are offered on a no-win, no-fee basis...
The Company provides credit control, debt collection, consultancy, credit checking, bookkeeping and Self-Assessment filing to HMRC aimed at all UK businesses. Our Credit Control service will improve cash flow whilst retaining customers.
"No win no fee" Debt Recovery specialists that deliver the monies your business is owed...
EU Property Solutions offer professional assistance in all areas of European property. We specialise in negative equity issues, buying and selling abroad and financial services...
Frontline Collections are the UK's leading Private Debt Collection Agency aimed at customers across London, UK & Internationally...
if you have poor credit rating, RefusedCarFinance.com can provide you with car finance with their specialist lenders....
Debt Recovery - Our priority is your business. We offer No win, No fee commercial and consumer debt collection with no upfront fees.
Financial Rescue LLC is a marketing services provider for Debt Settlement Programs and law firms...
Norvic can help with your Credit Control Outsourcing and company credit checks. We pride ourselves on helping you get paid for your hard work
The Business offers free debt advice. aimed at customers in the areas of Scotland. Our products help customers become debt-free in 48 months!...
We are a firm of Insolvency Practitioners who specialise in personal and company Insolvency. Located in Salisbury, Atherton Bailey is committed to providing you or your business with an independent and financial solution...
Our Company offers a 'No Collection No Fee' debt recovery solution aimed at businesses across the UK. Our services help boost productivity as we recover the debt leaving you to focus on other areas of your business...
We Stop Bailiffs/Sheriffs for Council Tax Arrears, Free of Charge!
The business offers bankruptcy, individual voluntary arrangements, creditor voluntary liquidations, administrations, turnaround aimed at customers in the areas of Kent, Surrey, Essex and Peterbourogh. Our products help customers with free initial advice and in the strictest confidence...

Overview of the Debt Management Industry

The debt management industry helps consumers and business clients deal with severe debt problems that threaten personal bankruptcy (for individuals) or insolvency (for businesses). In principle, bankruptcy or insolvency occur when the individual or business cannot repay its debts and have no choice but to surrender assets and income, in exchange for that debt being forgiven. The debt management sector is an integral part of the Financial Services industry. Expert providers work under different regulatory regimes.

The industry has thrived as private sector debt levels have skyrocketed in Western economies. Credit fuelled booms have led to individuals and businesses borrowing beyond their means. Loose credit conditions and high availability of mortgages, credit cards, loans all contributed to banking failure and a crash in consumer confidence.

The credit crunch has led to a rise in unemployment and fall in demand for products and services. Consequently, business owners have grappled to meet their financial burdens in a prolonged recessionary phase. As credit has dried up, high street banks have turned down a higher proportion of business loan applications and tightened up the covenants of corporate debt agreements.

SME’s have suffered disproportionately compared to larger companies. Large firms can afford to engage a credit controller and may be able to rely on established customer goodwill. Despite the importance of entrepreneurial SME’s to the growth prospects of any economy, many SME's have been forced to consolidate debts using a third party debt consolidation service. Sadly, many owners of failed small businesses who signed a personal guarantee linked to a loan, subsequently faced a personal bankruptcy procedure (such as an individual voluntary arrangement). In order to avoid formal bankruptcy, many owners have used a debt management company to negotiate and execute an informal debt management plan with their creditors.

Some debt management focus on providing business information to help business owners make decisions that help to manage debt and avoid potential debt problems. For example, credit history services and credit information services help to vet potential business customers seeking interest free trade credit. Similarly, specialist repossession services and skip tracing services may be employed when outstanding debtors have absconded or moved away without leaving any contact details.

Some debt management companies provide debt invoice factoring services to assist businesses with cash flow problems caused by unpaid business debts. This involves indebted firms outsourcing or 'factoring' the credit of unpaid client invoices to a third party company. In exchange, the unpaid business debt is settled at the first opportunity. This has the outcome of advancing up cash inflows while decreasing debt collection administration charges. Cash is the lifeblood of any business and enables vital operating expenses to be paid.

Many can help fledgling start-ups operate more efficiently by providing cash flow management services. These can help calculate startup capital, help reduce operating expenses, and construct cashflow forecast models (to anticipate peaks and troughs in sales and cash).

Many debt management companies specialise in debt recovery services and debt collection services. These can assist companies with either personal debtors or business debtors. For smaller firms, a specialist provider can help chase, contact, negotiate and potentially settle outstanding debts in an orderly and professional manner.

The debt management industry has attracted a bad process in countries with advanced economies where financial regulation is slow to catch up with new financial products or marketing ideas. For example, UK Payday loans companies have been accused of making debt problems worse by charging extortionate interest rates and employing dubious advertising.


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