Welcome to Emerge From Debt
Professional Face To Face Debt Advice
Emerge From Debt is a debt advice
and counselling firm assisting people in the home on a face to face
basis in the North West of England including Westhoughton, Bolton, Bury,
Blackburn, Darwen, Preston, Chorley, Wigan, Atherton, Leigh, Tyldesley,
Astley and Warrington.
Having engaged with many people over
the years, I have been struck by the number of people who, after having
obtained “free” debt advice from a commercial firm, have been “guided”
towards a debt solution which may not have been the best or most
appropriate solution for them. Whilst the “advice” may have been “free”
it may have come at a much bigger cost for many people, especially where
it may not have been the most appropriate advice.
Arrange a Debt Advice Consultation online or call 01942 818631
About Emerge From Debt
Our principal adviser, Patrick Horne,
has 30 years experience in consumer credit, debt counselling and 17
years with mortgage advice qualifications. Patrick continues to keep
abreast of on-going changes in legislation, regulatory guidance and is
up to date with CPD (Continuing professional development)
We will provide you with clear advice
in a positive and professional manner, as well as answering your
questions to the best of our ability.
Arrange a Debt Advice Consultation online or call 01942 818631
How We Can Help With Your Debt Problems
Dealing with debt can be very
stressful so we offer a face to face meeting at your home where we will
spend up to 2 hours with you discussing your personal finances / debt
and provide you with unbiased, expert advice.
After assessing your situation, we will
discuss the debt solutions available to you and provide you with the
advantages and disadvantages of each option with the aim of providing
the most cost effective and appropriate solution for you.
Professional Advice When You Need Help Quickly
If you call today we could book an
appointment for you to meet with our debt advisor as early as the next
day. We do not have long queues or waiting times to get help, but we do
require you to book an appointment.
All appointments are confidential. We can come and see you in the day as well as early evening in the comfort of your own home.
What Information Do I Need To Provide?
Once we have made an appointment we will
send an email to you outlining the information you should have at hand
for the visit. This typically will be:
1. Most recent 3 month's bank statements
2. Any creditor correspondence, including recent account statements
3. Wage slips/ proof of benefit/proof of other income
4. Income and expenditure form (we do have our own version)
5. Details of assets and liabilities
6. Details of any other information which may be relevant.
2. Any creditor correspondence, including recent account statements
3. Wage slips/ proof of benefit/proof of other income
4. Income and expenditure form (we do have our own version)
5. Details of assets and liabilities
6. Details of any other information which may be relevant.
The more information you have the better prepared we will be to give you complete debt advice.
Arrange a Debt Advice Consultation online or call 01942 818631
What Do We Charge?
We do not offer “free” debt advice,
we are quite open and up front about this. We will come to you in your
home – at your request and at a agreed time – and spend up to 2 hours
with you discussing your personal finances / debt and provide you with
unbiased, expert advice.
Our standard fee is £200.00 for a 2
hour home visit with you to discuss your financial situation and provide
you with full details of the most appropriate solution which may be
available to you discussing the “pros and cons” of each solution based
on the information we have.
We will also provide a report
following the meeting outlining our discussion leaving you free to
choose in your own time the most appropriate solution for you and your
family.
You are entitled to receive free debt help, for further information about debt advice you can speak to the Money Advice Service for additional support www.moneyadviceservice.org.uk.
Contact Emerge From Debt
Expert Debt Advice in Bolton, Lancashire & the Northwest UK
Contact Addresses
- Melfinco Ltd, 1 Mill Lane,
Westhoughton, BOLTON, BL5 2DN
Company No. 08530273
Data Protection No. ZA236785
FRN No. 759808
Appointment Request Form
Legal Information
You are entitled to receive free
debt help, for further information about debt advice you can speak to
the Money Advice Service for additional support
www.moneyadviceservice.org.uk.
The insolvency service has produced a
guide for people who are struggling with debt. This guide outlines each
of the available solutions. You can download the guide by clicking the
following link –
Options for Paying off your Debt.
Debt solutions subject to conditions
and acceptance. Credit rating may be affected. Fees payable for expert
advice in the home as set out and if continuing services provided.
Repaying debt over longer may increase the total amount to be repaid.
Melfinco Limited trading as Emerge
From Debt registered in England and Wales is authorised and regulated by
the Financial Conduct Authority. Our FRN is 759808.
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