- Free support and guidance
- Stop creditor contact
- Write off up to 80% of your debts
*Subject to suitability and criteria. IVAs are available for people who live in England, Wales and Northern Ireland. Read IVA fees here.
*Subject to suitability and criteria. IVAs are available for people who live in England, Wales and Northern Ireland. Read IVA fees here.
Take 2 minutes to answer a few simple questions to check if you qualify to write off some of your debt.
Speak with a debt expert how you feel comfortable - text, chat or phone to find the best solution for you. Our expert IVA advisors are here to help answer any questions you may have.
Once we have advised you of all your options, you decide what you want to do. Our advice is free, confidential and with no obligation. Your wellbeing is at the heart of our service
This is an example of debt you may owe
This is an example of the savings you could make
Reduced by 85%
I just want to say a big thank you to everybody who has helped me with my approved IVA application. The team has been fantastic with helping me get back on track with my finances.Absolutely amazing service.
I found the staff here really helpful and their advice was brilliant. Kind, non-judgemental and reassuring people who really care about you and the situation you find yourself in.The hardest part I found, was to make the first phone call asking for help, I wish I had done it sooner.
I couldn’t have received better, professional help if I tried! Peterwas amazing and made me feel comfortable and at ease when dealing with my finances. I can’t thank them both enough for all their support. It’s been most gratefully appreciated and now myself and my husband are on our way to securing our IVA and being debt free.
From the start Simon never judged or made me feel bad in anyway. Making the phone call was the hardest thing but also the best thing I have done. He went through everything and helped me to make the right decision without pushing me in any direction, just by explaining all the options available to me. If you have got yourself into an unmanageable financial situation, give them a call. I highly recommend them.
Very helpful and understanding. I was able to explain my circumstances without feeling awkward. They explained everythingand made me feel at ease. Every person was very kind and patient and explained my options clearly. The staff are very polite and explain everything very well. Response to emails is prompt.
I was really nervous at first but I was put at ease and we went through everything.Any questions I had were answered, the advisors I spoke to were absolute stars, reassuring me along the way, making sure I understood everything. They could not have done enough for me;I would definitely recommend this company and once again thankyou so much.
I cannot tell you how many years I have struggled in silence because of the stigma associated with being in debt. It was getting to a point where I didn’t know how I could ever recover. Then I found these guys! Sara has made this such an easy process. I hope she knows how much her time and compassion will help change my life for the better. Thank you so much you are amazing.
An IVA is a formal arrangement and is set up and managed by an Insolvency Practitioner (IP). You make one small payment to cover all debts usually over a period of 60 months. After this period any remaining debt is written off with government legislation.
We offer debt advice tailored to your circumstances. Once we understand your current financial situation, we will advise on the best solution for you.
Although we offer advice on all debt help solutions available, we specialise in Individual Voluntary Arrangements (IVAs) and Personal Budgeting Plans.
An Individual Voluntary Arrangement (IVA) is a fixed term payment plan that can in some cases write off a large portion of your debts. IVAs are available in England, Wales and Northern Ireland. Once approved your creditors are legally obliged to cease all contact. Use our debt solution finder to find out what debt solutions you qualify for.
Your initial advice call with us is free, no obligation and confidential. However, if you choose to proceed with the debt solution we recommend, there may be fees involved. In the case of an IVA these fees would come out of your agreed, affordable monthly contribution (not on top of) and are to cover the costs of the administration of the IVA. IVA fees have been outlined below in an example, where the client has £18,000 worth of debt and is making monthly payments of £150 in an IVA (£9,000 in total over 60 months)*.
The Nominee’s fee – £1,000
The Supervisor’s fee** – £1,200
The Supervisor’s costs – £1,200
Total repaid to unsecured creditors – £5,600
Total written off by unsecured creditors – £12,400
Our advice is free, no obligation and confidential. In instances such as bankruptcy there will be costs to take into consideration. Any fees will be clearly outline from the outset to help you make the right choice.
Reaching out for help with your debts is one of the hardest steps you can take.
It’s never easy, but one of the most frequent feedback we hear from customers is that they felt like a weight has been lifted once they spoke with one of our advisors. Our team has expert knowledge and understanding in order to put your mind at ease. We don’t judge and are here for you.
