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X-debt Case Studies

Debt Problems After Reduction in Income

1st March 2017

Client: RH Employed: HGV Driver Amount of debt prior to IVA: £16,000 Monthly payment into IVA: £70 Number of Creditors: 6 Original debt solution: Debt Management Amount of debt reduction if IVA

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Day to Day Living Costs Mean Debts Spiral Out of Control

11th January 2017

Client: JP Employed: Hydraulic Engineer Amount of debt prior to IVA: £12,000 Monthly payment into IVA: £158 Number of Creditors: 5 Original debt solution: Debt Management Plan Amount of debt reduction

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Debt Increase Due to Ill Health

11th January 2017

Client: P.A.M. Employed: Retired Amount of debt prior to IVA: £23,000 Monthly payment into IVA: £100 Number of Creditors: 4 Original debt solution: Debt Management Amount of debt reduction if IVA

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Mortgage shortfall and divorce increases indebtedness

5th October 2016

Client: MJT Employed: Security Officer Amount of debt prior to IVA: £14,300 Monthly payment into IVA: £150 Number of Creditors: 5 Original debt solution: Debt Management Amount of debt reduction

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Retired couple struggle to manage debts

5th October 2016

Client G & GC Employed: Both retired Amount of debt prior to IVA: £4,400 Mr / £28,000 Mrs Monthly payment into IVA: £157 Number of Creditors: Jointly 14 Original debt solution: Debt Management

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