Bankruptcy help, debt advice and information, filing for bankruptcy. Help with arranging an IVA by insolvency practioners

The facts and advice about how an individual voluntary arrangement may help your debt and bankruptcy problems.

Don't file for bankruptcy or permit your creditors to make you personally bankrupt until you have investigated all the facts and taken advice about individual voluntary arrangements.

Our free debt advice service is here to help you get out of debt without having to borrow more money or consolidate your loans. We may have better alternative solutions.

What is an Individual Voluntary Arrangement?

How an Individual Voluntary Arrangement could help you.

You may well owe more than you think once you sit down and work out all your outstanding debts and charges.

An Individual Voluntary Arrangement (IVA) is a legally binding formal arrangement made between a debtor and his or her creditors. IVA help by experienced insolvency specialists can reduce your debts. An IVA could help significantly reduce your debts, help lower your monthly repayments, repayable over 60 months. After the five years, you would be considered to be debt free.

If your debts are more than £15,000 to your creditors apply now

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To qualify for one of our Individual Voluntary Arrangement programmes

• You must owe more than £15,000
  
  
• You must have unsecured credit loans, car loans, credit cards, finance, store cards
  
  
• You must only be paying the minimum repayments
  
  
• Or just meeting interest charges
  
  
• You are seeking a solution to the burden of your debt problems
  
  
• You must have an earned income in excess of £1000 per month
  
  
• You must not have a debt management programme

If your debts are less than £15,000, depending on your circumstances, a Debt Management Plan may be another solution to your debt problems.