Individual Voluntary Arrangement debt advice * IVA advice on how an Individual Voluntary Arrangement can reduce your debts * help and information on all debt problems no matter what your circumstances are

An Individual Voluntary Arrangement (IVA) can help reduce debts by up to 75% although for most people, the level of debt reduction is likely to be less. However, depending on your financial circumstances, an IVA could be used to significantly reduce your debt mountain. An Individual Voluntary Arrangement is a formal contract between you and your creditors. So what is an Individual Voluntary Arrangement?

If your debts amount to more than £15,000 and you are in gainful employment (employee or self-employed) an Individual Voluntary Arrangement may be the best solution to your debt problems. If your debts amount to less than £15,000 there may be other debt solutions.

Everyone is finding the burden of debt to heavy to manage. higher interest rates, increasing fuel bills, credit card interest repayments and taxes all lead to debt problems. However, there are real solutions that could help you write off up to 75% of your debt. In most circumstances, it is likely to be between 40 to 60% of your debts.

An Individual Voluntary Arrangement is an alternative to bankruptcy and is a government approved scheme.

With an Individual Voluntary Arrangement, we can help you get out of debt by reducing your debts without borrowing more money.

Our panel of insolvency practitioners will negotiate on your behalf with all your creditors, saving you the embarrassment and stress of a confrontational meeting and protect you from threatening calls and bailiffs.

Using an Individual Voluntary Arrangement, we can help you write off a significant level of your debt, reduce your payments to one affordable monthly payment and freeze the interest and charges on any loans.

This is achieved without you having to take on the burden of another loan - We are not here to increase your debt, we are able to reduce it. Each month you pay what you can afford and the rest of your debts are written off. You only have to pay a fixed lower monthly payment to clear all the debts over a 5 year period.

We can help you get your life back on course and remove the burden of worrying debts.

• An Individual Voluntary Arrangement means you will no longer have to deal with the companies you owe money to
  
  
• An Individual Voluntary Arrangement means you will have one affordable monthly payment based on your disposable income
  
  
• You will no longer have to juggle with paying your bills
  
  
• The interest on your debts will be frozen
  
  
• An Individual Voluntary Arrangement could give you back your life and after five years you will be debt free

Our panel of debt management negotiators may be able to help you sort your financial problems out and give you peace of mind.

To find out if you qualify for one of our Individual Voluntary Arrangement programmes you need

• You have more than £15,000 of debts
  
  
• If you have less than £15,000 of debts there may be other alternatives http://www.whereonearthgroup.com/mortgage-brokers-mortgage-lenders.php
  
  
• You need to have more than one unsecured loan (including credit cards)
  
  
• You are unable to meet your existing payments
  
  
• You are falling deeper into debt
  
  
• Re-mortgaging is not a solution
  
  
• You have a monthly income in excess of £1,000 per month

If this is you, one of our Individual Voluntary Arrangement programmes may be the solution to your debt problems.

Who can qualify for an Individual Voluntary Arrangement?

• Private individuals
  
  
• Partners
  
  
• Sole business traders

What will happen if you undertake an Individual Voluntary Arrangement

• You will have one fixed lower affordable monthly payment based on your disposable income
  
  
• After five years you will be considered debt free
  
  
• All legal action from your creditors will be stopped
  
  
• Harassing telephone calls, visits from bailiffs and threatening letters will cease
  
  
• All interest and charges will be frozen
  
  
• Between 40 to 75% of your total debts could be written off

How would this change your life?

Threats of repossession, mortgage or rent arrears, bailiffs calling, CCJs, defaults, credit card arrears, are not necessarily a problem. Our financial specialists will discuss all your money problems totally FREE of charge.

If:

1. You want to reduce your monthly financial commitments
   
   
2. You want to reduce your debts
   
   
3. You want to get you life back on course
   
   
4. You want the stress and worry of debt to disappear
   
   
5. And you want it to happen now!

Complete our 2 minute online form - without obligation and without delay.