Repay your unsecured debts in (normally) 36 months
	Have one monthly payment tailored to your needs
	Potential to freeze interest and charges
	We'll deal with your creditors on your behalf

A Trust Deed is a solution to debt and a real alternative to Bankruptcy. Basically it is an arrangement between you and your creditors, usually over three years. At the end of a Trust Deed you will have no further liability to repay any balance of the unsecured debts included in your Trust Deed.

Under legislation, once protected a Trust Deed is legally binding on all your unsecured creditors. The terms of your Trust Deed are tailored to your own personal circumstances.

We'll prepare your proposals and deal with your creditors. If your creditors do not object, the Trust Deed will become protected - that means your creditors are prevented from taking any further action as long as you keep to the agreement.

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Fees & key information

• What fees will apply? When you talk to one of our advisers, they may recommend that you enter a debt solution to tackle your debts - and fees will be charged if you do. We're one of the UK's longest-established providers of debt solutions, and pride ourselves on providing an excellent service at a highly competitive price.
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• What effect will it have on my credit rating? It will affect your ability to obtain credit for 6 years.
• Will I be able to change my mind? Talking to our advisers will place you under no obligation whatsoever. Should you choose to enter a debt solution, you will have the legal right to change your mind at any point in the first 14 days of its term.

Subject to eligibility and acceptance. Debt write off applies to unsecured debts and only on completion of a Trust Deed, alternative solutions may be offered. Fees payable for continuing services. Your ability to obtain credit will be affected for 6 years. Homeowners will be required to release the equity in their property. Calls may be recorded.