Debt Advice is Important - Now More Than Ever
The deteriorating state of the economy should lead borrowers to review their finances as a matter of urgency and seek debt advice, say debt experts Debt Advisers Direct, following the Autumn forecast from the Ernst & Young ITEM Club.
“Released on 20th October, the Ernst & Young ITEM Club Autumn forecast ‘sees an economy that has deteriorated dramatically in the last quarter and is now in recession’,” said a spokesperson for Debt Advisers Direct. “The good news, however, is that the recession is expected to be both short and shallow, with GDP rising – even if only by 1% – in 2010.”
“Even so, the impact of today’s economic downturn will be profound,” the spokesperson continued. “Even a minimal recession means that the economy would shrink, and the consequences as a result of this: reduced consumer spending, increased unemployment, more uncertainty about the future, etc.
“On an individual level, the threat of a reduced monthly income is likely to lead many to review their financial situation. This isn’t to say that economic gloom is a good thing, but everyone needs to stop and take stock of their finances from time to time, and reports such as this can provide a much-needed incentive to do so.
“It’s vital that everybody - even those with little debts and good savings - but for the millions of UK consumers struggling with debt, it is especially important. A lot of UK residents have become used to debt repayments taking up more and more of their monthly budget. In many cases, those repayments take up almost their entire disposable income, so if anything happens to their income, they could almost immediately face a whole range of consequences, from legal action to bailiffs and County Court Judgments (CCJs) – to say nothing of the damage to their credit rating.
“The important thing, of course, is to take action before it’s too late. Seeking professional debt advice is normally the best way to start – any borrower could have a wide range of debt solutions available to them, so it’s vital they talk to a professional organisation which understands every option and can provide impartial debt advice, tailored to their individual circumstances.”
An Individual Voluntary Arrangement (IVA) or debt consolidation loan, for example, could help someone cope with a reduced income – yet neither debt solution would make sense for someone who’s fairly sure they might lose their income (or a significant part of it) in the near future.
“For someone who has a job, but it may be at risk, it could make more sense to seek a flexible debt solution, debt management being an example: with such a solution, if their income was to drop, they could ask their Personal Finance Manager to re-negotiate with their creditors in the hope of reducing debt repayments.”
Different borrowers, in other words, will need to adopt different strategies to deal with their debts. “There’s no ‘silver bullet’ for debt. A debt management programme, consolidation loan, remortgage, Individual Voluntary Arrangement and even bankruptcy have their place in different individuals circumstances, but the solution that’s best for you is likely completely different to the next person. The key thing is to take the time to get the right debt advice before making any commitments.”
Wes Grams feat. Big Face – Next Chick
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