Anyone can get into debt. Sometimes you need help to get out of it.
We’ve helped thousands of families manage their debt problems and secure a brighter future. We can help you.
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Answer a few quick questions
We need answers to just 6 questions to get started today; if we believe we can be of benefit, one of our debt specialists will contact you and discuss how we can start to help
Speak to a debt specialist
They will discuss all the available options with you. Plain, simple English with no jargon
Choose your solution
Select the right solution for your circumstances
Focus on enjoying life again as you’ve started the journey to debt freedom
Our solutions are tailored to suit you
Individual Voluntary Agreement (IVA)
An Individual Voluntary Arrangement (IVA) is a formal and legally binding agreement between you and your creditors to pay back all or part of your debts over a period of time at an affordable rate.
Debt Management Plan (DMP)
A Debt Management Plan (DMP) is an informal solution designed to reduce your monthly payments towards your debts.
Debt Settlement Offer (DSO)
A Debt Settlement Offer (DSO) is a debt solution that allows you to repay what you owe with a lump sum payment. This is often also referred to as a full and final settlement offer.
Many families have done it, so can you
Thanks for taking away the hassle and worry of dealing with my creditors and I am determined to see this through. Everything was easier than I thought it was going to be, and it was nice to know that when you said we would get the paperwork that day we got it that day!
We are in it for the long haul
Frequently Asked Questions
An individual voluntary agreement (IVA) is a formal and legally binding agreement between you and your creditors to pay back all or part of your debts over a period of time at an affordable rate.
To be eligible you must meet the following criteria:
- Have £6,000 or more of unsecured debt
- Owe money to two or more creditors
- Live in England, Wales or Northern Ireland
- Have a steady income and consistently be able to make a payment of at least £100 per month.
Yes. An IVA will affect your credit rating for six years and your information will also be placed on the public Register of Insolvencies for the duration of the agreement, but the process allows you to clear your debts within a reasonable time frame.
Owning your own property is taken into account when you apply for an IVA. The Insolvency Practitioner (IP) will consider the amount of equity that would be available to you if you were to sell your home and pay off your mortgage. They would also check if the amount of equity would be enough to repay your debts in full.
Please note that you will never be required to sell your home as part of your IVA. This, protection of the home, is the main reason clients choose to enter an IVA.
After making monthly contributions towards your debts for a period of time, agreed with your creditors – most commonly five or six years (60 or 72 months respectively) – any remaining debt will be written off.
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