Frequently Asked Questions

Find quick answers to common questions about our financial recovery services. We've organised everything by topic to help you navigate your path to financial stability more easily.

Getting Started

Basic questions about beginning your financial recovery journey, initial consultations, and what to expect in your first steps.

8 questions

Process & Timeline

Understanding our methodology, typical recovery timelines, and what happens during each stage of your financial recovery plan.

12 questions

Services & Support

Detailed information about our different service packages, ongoing support options, and additional resources available to clients.

10 questions
Declan Hartwell
Financial Recovery Specialist

Most Common Questions

How long does the typical recovery process take?

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Recovery timelines vary significantly based on individual circumstances. Most clients see initial improvements within 3-6 months, with substantial progress typically achieved within 12-18 months. Complex situations involving multiple creditors or significant debt restructuring may require 24-36 months. We provide realistic timelines during your initial consultation based on your specific financial situation.

What documents do I need to bring for my consultation?

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Bring recent bank statements (last 3-6 months), credit reports, outstanding bills or debt notices, employment documentation, and any correspondence from creditors. Tax returns from the past two years are also helpful. Don't worry if you're missing some items – we can work with what you have and guide you on obtaining additional documentation as needed.

Will working with you affect my credit score?

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Initially, there may be temporary fluctuations as we implement your recovery strategy. However, our approach focuses on long-term credit improvement through debt reduction, payment restructuring, and establishing positive payment patterns. Most clients experience gradual credit score improvements as they progress through their recovery plan, though individual results vary based on starting conditions and adherence to the strategy.

Do you work with all types of debt situations?

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We assist with most common debt types including credit cards, personal loans, medical debt, and business-related obligations. We also work with clients facing mortgage difficulties, tax issues, and utility arrears. Each situation is assessed individually to determine the most appropriate recovery approach. Some highly specialized cases may require referral to specialist legal or insolvency practitioners.

Can you guarantee specific results or debt reduction amounts?

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We cannot guarantee specific outcomes as results depend on numerous factors including creditor cooperation, individual circumstances, and market conditions. What we do provide is transparent communication about realistic expectations, proven strategies based on experience, and dedicated support throughout your recovery journey. Our focus is on sustainable improvement rather than unrealistic promises.

How do you handle communication with creditors?

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We can act as intermediaries in creditor communications when appropriate, helping to negotiate payment arrangements and resolve disputes. However, you maintain control over all decisions and agreements. We prepare you for direct conversations with creditors, provide template letters and negotiation strategies, and can attend meetings when beneficial. All communication approaches are tailored to your comfort level and specific situation.

Still Have Questions?

Every financial situation is unique, and you might have specific questions that aren't covered here. Our team is ready to provide personalized answers and guidance tailored to your circumstances.

Phone Support
+44 1772 499832
Email Enquiries
support@kirasolevia.com
Schedule Consultation

Kira Pennsworth

Available for consultations weekdays 9am-5pm

2025
Years of Experience
850+
Clients Helped
95%
Satisfaction Rate

Ready to Start Your Financial Recovery?

Understanding your options is the first step toward financial stability. Our experienced team has helped hundreds of individuals and families navigate challenging financial situations and build stronger financial foundations.

Personalized recovery strategies based on your specific circumstances
Ongoing support throughout your entire recovery journey
Transparent communication with realistic timelines and expectations
Comprehensive approach addressing both immediate and long-term needs
Learn About Our Methodology