Debt Management Solutions

Baines & Ernst

Paradigm has exclusively teamed up with Baines & Ernst to give you access to a full range of financial solutions.

The advisors at Baines & Ernst offer a friendly and discreet, professional and personal service, explaining all of the options to find the right debt solution for your client. Dependent upon the solution chosen, this can protect assets from creditors, freeze interest and charges, and allow debt to be repaid in five years or less (with an IVA).

Baines & Ernst, whilst a commercial organisation, are not driven by fees. They are driven by helping clients and are passionate about providing them with the best means of financial rehabilitation.

You can always be sure the clients that you refer will receive the best advice available. At every stage they’ll be dealing with a highly trained and skilled member of an experienced team.

All of this brings significant benefits to Paradigm members. Baines & Ernst have the skills and the experience to ensure that cases referred have the best chance of gaining creditor approval and convert, giving you a higher earning capacity and ensuring that your clients get the help they need.

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Baines & Ernst is part of the Paymex Group which has over a decade of experience in the debt solutions industry and a market leading product portfolio. They have distributed over £1/2 billion to creditors on clients behalf, and can service clients in both Scotland and the rest of the UK in-house.

By using the expertise of the Paymex Group through Paradigm you can expect the following benefits:

* Typical commission examples payable to you are:

IVA - £650 at successful meeting of creditors
IVA Packaged - £950 at successful meeting of creditors
Protected Trust Deeds (Scotland) - £425 at successful meeting of creditors
Debt Management Plan – 60% of first cleared payment

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