Get on Top of your Debts with an IVA

Free Eligibility Checker

Pay as little as £80

  •  Free Government Legislated Scheme
  •  Write off up to 85% of debt
  •  Interest and Charges are frozen
  •  Single Monthly affordable payment
  •  Stop Lenders contacting you

Step 1

 You take Our online debt solution finder questionnaire to give us an overview of your current financial circumstances.

Step 2

Our Debt expert will ring you at your preferred time to explain all debt solutions which may be available.

Step 3

You choose the best debt solution which suits your situation and enables you, once again, to gain control of your finances.

In IVA, You can include your outstandings of

Credit Cards
Store Debts

Payday Loans
Debt Collectors
Utility Arrears
CCJ Debts

Council Arrears

What Exactly Is An IVA?

An IVA stands for Individual Voluntary Arrangement. In the arrangement, you make a single affordable monthly repayment to your creditors, typically for five years – at which point all remaining debt has to be written off.  Your interest and late payment charges are frozen from the minute its approved.

Once agreed, your creditors, by law, are no longer allowed to demand payments from you by phone or letter. The tenure in an IVA is fixed. Therefore, you will know exactly where you stand and how long till you are debt-free.

Why it’s been a Life-Changing Debt Solution for people in debt?

Because, Once IVA is set up, It allows you to break the vicious cycle of needing credit to pay off credit. Currently, A fair majority of people are either using their credit cards or bank overdraft to keep up with their debt repayments.


You make only 60 affordable monthly repayments, and you get freedom from your unaffordable debts.
 You can potentially write off up-to 75-85% of your Debts.
 You no longer need to juggle monies between your creditors  as you make single affordable monthly repayment for all your unsecured debts.

 An IVA allows you to budget your money well since you know the fixed amount to pay to your creditors. 
 You won’t be called or sent letters from creditors once your IVA gets approved. 

Frequently Asked Questions

Depending on which solution(s) you qualify for, they may include benefits such as guarantees to freeze interest and charges. If you qualify for these solutions you will have them explained to you in full, including their advantages and disadvantages and any costs or fees so you have a balanced and thorough understanding of the solutions you qualify for. You can then make your own informed decision on how you would like to proceed. Everybody’s individual circumstances are different, so get in touch today for free, no obligation support and advice.

We will recommend to you the amount you should offer to your creditors. Your creditors are obliged to allow you to keep enough of your income so that you have a reasonable standard of living. We will advise you how much you should offer as a fair payment towards your debts while making sure you keep enough of your income to cover payment of your living expenses. Even though this may mean that your creditors will end up receiving less than you owe them, your creditors are still likely to accept the payment offer we recommend.

All we can do is see. We understand that everybody has different circumstances, which is why we encourage you to always get in touch and let us know your story. Let us see if we can help. We will focus on what you can actually afford rather than what your creditors are demanding. Most people qualify for at least one form of debt help and you will always be given information on whatever you qualify for, including debt solutions which may result in your debts being written off completely.

Most debt solutions will allow you to keep your assets; in fact some even protect them! If you become bankrupt most of your assets will be automatically transferred to the Official Receiver. You will be allowed to keep household furniture and equipment and your car provided it is not worth more than £1,000. If you are a homeowner your interest in your house, i.e. the amount you would expect to receive after payment of your mortgage and the costs of sale will be transferred to the Official Receiver. A Debt Expert can help you by explaining the advantages and disadvantages of the various solutions so that you can choose the solution that is best for your individual circumstances

A Debt Expert will assist you determine this. When convenient Our expert will review your income and your expenditure together. We will assess a fair and realistic amount you can afford after making sure you can pay priority bills like rent, gas, council tax etc. Then we will review what you pay towards normal everyday costs. Once we have done that we will be able to see what’s available to pay to your creditors. We will always aim to make sure you have a reasonable standard of living. This means we will never recommend that you pay an amount you couldn’t afford or sustain, which could later result in problems such as stress because you missed payments. More often than not we are able to arrange a payment, which is a lot more affordable for you than you may have previously thought possible.

To find out more about managing your money and getting free debt advice, visit Money Advice Service