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.

Fees may apply. Entering into an Individual Voluntary Arrangement (IVA) will affect your credit rating, read here

Start feeling better today

Managing debt is no simple matter, so we try to make it as easy as possible

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

Feel better

Focus on enjoying life again as you’ve started the journey to debt freedom

Our solutions are tailored to suit you

To offer the best debt advice we need to listen and understand your situation first. Then we’ll be in a great position to offer the best advice for your circumstances

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!

John, Belfast

We are in it for the long haul

Our responsibility doesn’t end when your arrangement starts or even when it finishes. We can help you re-build your credit score, get a mortgage and improve your overall financial situation. We will support you and your family for as long as you need us.

Frequently Asked Questions

What is an IVA?

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.

Who can qualify for an IVA?

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.

Will my credit rating be affected?

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.

How long does an IVA last?

An IVA, most commonly, lasts for five or six years (60 or 72 months respectively).

Will my home be safe?

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.

What happens after my IVA finishes?

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.

Can’t find the answer you’re looking for? Reach out to our customer support team.