Spencer Hayes are licensed debt counsellors offering a wide range of solutions to different types of debt. If you owe over £20,000 then we can offer IVA debt advice. If you need to consolidate your debts and reduce monthly payments then our debt management programme could give you peace of mind. We can also help if you need advice on liquidation or want to know if your best bet would be to declare yourself bankrupt. We also offer advice on bailiffs, Administration Orders and the County Courts, Tust Deeds (for those in Scotland) and can arrange finance and re-financing. The initial consultation is free so call our freephone dept helpline to find out how we can help you.