How it Works

Check if you qualify

Take 2 minutes to answer a few simple questions to check if you qualify to write off some of your debt.

Speak to an advisor

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.

You decide

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


IVA calculator

We can help with most banks and creditors

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Benefits of using an IVA

  • No need to borrow from friends and family
  • Stop the unwanted stress of bills you can’t pay
  • All interest and charges are frozen by law
  • Creditor calls and letters are stopped
  • Get some of your debt is written off
  • Combine all of your debts into one affordable monthly payment
  • Enjoy living life again without debt stress
  • Your home is safe

IVA example

Before IVA

This is an example of debt you may owe

  • Bank Loans – £4,000
  • Short term loans – £2,500
  • Catalogues – £2,150
  • Phone bills – £500
  • Credit cards – £4,000
  • Store cards – £1,500
  • Overdraft – £1,170
Total monthly payment
After IVA

This is an example of the savings you could make

Reduced by 85%

Total monthly payment
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What our customers are saying

IVA Frequently Asked Questions

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.

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