Services for Private Individuals

When individuals get into financial difficulties as a result of unwise investments, taking extended credit, credit card rollovers, losing a job or whatever other problem, they are often tempted to take on more debt to ease the pressure – but this is only likely to be a temporary solution. Sometimes they do nothing – but either way they will end up with an ever-increasing debt spiral that causes family stress and job pressures.

Help from The P&A Partnership

We have been acting for people with financial problems since 1885 and there won’t have been many circumstances that we haven’t been able to resolve in that time – one way or an other.

Probitas

We established a specialised unit within our associated company, Probitas, that deals exclusively with people with personal debt problems. They provide a professional countrywide service that’s an alternative to bankruptcy and at a reasonable cost – sometimes at no cost at all, to give you the best outcome, with the minimum worry at a time of extreme difficulty.

Unlike many other firms operating in this market, your case is supervised by a licensed Insolvency Practitioner, and we do not charge up- front fees

Whilst there is no magic wand, we have a number of solutions to ease the pain-

• Putting a proposal to your creditors to accept a settlement that is less than you owe and known as an Individual Voluntary Arrangement (IVA).
• Remortgaging your property through our panel of intermediaries, consolidating your debts on a sensible, planned basis.

Helping you with bankruptcy proceedings, enabling you to get on with your life without the stigma formerly attached to this procedure.

Doing nothing is not an option

If you would like more information, speak to Keith Cottam on 0800 032 3420

or visit www.probitas.net