IVA

Debt Solution

Interest frozen by law
One monthly payment
Address your debts in 5 years
Lower monthly repayments

Call us on: 0800 1164 923

How an IVA can help you ?

An Individual Voluntary Arrangement or an IVA provides lower monthly payments based on what you can realistically afford. These payments, from as low as £150, replace your current payments to lenders normally for a 5 year period.

If an IVA is recommended after discussing your options with us, we will refer you to an Insolvency Practitioner (IP) who will draft and present your IVA proposal to your creditors. The Individual Voluntary Arrangement proposal must be agreed by creditors representing 75% of the value of your debt before the IVA can go ahead. The whole Individual Voluntary Arrangement setup process can take as little as 4-6 weeks from your application.

For further information call us on: 0800 1164 923

If you owe more than £12,000 we can help you to:

Substantially reduce your debt
Provide an affordable monthly payment
Address your debt in five years
Freeze your interest

Common IVA Questions
How do I set up an IVA?
Can I cancel the IVA once it is set up?
What is Debt Consolidation Loan?
How long will it last?

IVA Case Study
I had debts of £39,050
costing me £546 every month.
Now all I pay is £200 per month
for 60 months. My total repayment
will be £13,600.

Find out if you qualify for an IVA
Complete our six question debt test to find the best possible debt solution
for you and to understand your best way to deal with debt.

Your financial situation

Your details


Total Amount of Debt(s) *		First Name*
Number of Lenders *		Surname
Payment to Creditors *		Phone Number*
Affordable Monthly Payment *		Email Address*
Source of Income *
Residential Status *
* = Required
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Compare debt solutions

Debt Solution	Key Advantages/ Disadvantages	More
Whatever your level of debt we can provide the right advice about a range of debt solutions.
Debt Management Plan	Requires £3,000 of debt or more to qualify Interest is sometimes frozen Affordable monthly payment May lead to an increase in the sum to be repaid May lengthen the repayment period
IVA - (Individual Voluntary Arrangement)	Requires £12,000 of debt or more of debt to qualify Interest payments are frozen by law Affordable monthly payment May substantially reduce your debt Five year period
Bankruptcy	All unsecured debts are written off, except student loans, fines and some matrimonial debts You may have to sell your home and other assets Credit not available during the period of bankruptcy Your situation may be made public
Call us for a quick IVA consultation: 0800 1164 923