Debt problems affect people from all walks of life and Viva are able to offer help and advice to those on high incomes as well as those on low ones.
Over-indebtedness largely results from a change in financial circumstances. This can be caused by reduced income or overuse of credit, arising from redundancy or changes in employment status. Relationship problems illness, disability or injury, bereavement, stress and depression are also common causes. We use our credit cards, debt consolidation loans, store cards, catalogues etc, in the hope that it will get us by until things improve.
If you are worried about your debts and not sure what to do then don''t bury your head in the sand or suffer the stress by yourself. There are many solutions are out there and Viva can guide you through the maze of Debt Solutions on the market, to see what is best for your circumstances.
We will conduct an initial full review of your credit and debt situation, help to work out a personal budget and suggest how spending may be reduced, allowing for essential expenditure, priority debts and living expenses. We will assess whether you have enough income left over to make an offer of repayment to other creditors, will prioritise the debts and decide which debts to deal with first.