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BANKRUPTCY AVOIDED
Mr G contacted Gemstone to resolve his debt problems after he received a Bankruptcy Order from one of his creditors. We successfully negotiated the retraction of the Order with realistic and affordable offers of reduced payment being accepted by all Creditors. Over time the customer was able to become completely debt free.

CREDITORS AND CUSTOMERS WIN!
Ms B has been with Gemstone for almost three years and approached us after suffering a major drop in her monthly income. She was left struggling to meet all of her monthly financial commitments and owed more than £45,000 in unsecured debt. She has successfully paid back more than half of her debts and has been granted concessions by all of her Creditors due to her excellent payment history.

LIFE REGAINED
We were approached by CW after a long-term relationship had broken down and she was left struggling on her own to pay the household bills and unsecured creditors. CW has written to Gemstone thanking us for bringing her relief from dealing with her financial problems.

GEMSTONE ASSIST BEREAVED FAMILY
Mr and Mrs W are homeowners who were struggling to pay very high mortgage repayments and unsecured debts following a sudden bereavement in the family. Gemstone were able to put them in touch with our mortgage specialists who were able to remortgage the property at a better rate than the clients originally had. In doing so sufficient funds were realised to enable Gemstone to negotiate 'full and final' settlement offers to the unsecured creditors to leave Mr and Mrs W free of debt.

GEMSTONE MINIMISE RELATIONSHIP BREAKDOWN STRESS
Ms D contacted Gemstone after having being left to repay over £25,000 in unsecured debt following the breakdown of her relationship. She initially joined on a Debt Management Plan. Once issues relating to her former relationship were clarified we were able to put her in contact with an insolvency specialist who has helped Ms D to structure her repayments to clear her outstanding creditors in a more realistic time period.