IVA advice, debt solutions, individual voluntary arrangement, help and information. Advice on how an IVA may be the answer to your debt problems

An IVA (individual voluntary arrangement) can help you dramatically lower your debts, depending on your circumstances.

You may owe more than you think, so do your sums.

An IVA is a formal contract between you and your creditors. So what is an IVA?

If your debts amount to more than £15,000 an IVA may be the answer to your debt problems. If your debts amount to less than £15,000 there may be other debt solutions.

More and more UK residents are finding the burden of debt to heavy to manage. Increasing interest rates, higher fuel bills, difficult trading conditions, credit card interest repayments and taxes all lead to debt problems. However, there are solutions that could help you write off 75% of your debt.

An IVA is an alternative to bankruptcy and it is a government approved scheme.

With an IVA, we can help you get out of debt by dramatically lowering your debts, depending on your circumstances, without borrowing more money.

Our panel of debt negotiators can negotiate on your behalf with all your creditors and protect you from harassing calls and bailiffs.

Using an IVA, we can help you dramatically lower your debts, depending on your circumstances, reduce your payments to one affordable monthly payment and freeze the interest.

This is done without taking on the burden of another loan - We don't increase your debt burden, we reduce it. 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 track and reduce the burden of massive debts.

• An IVA means you will no longer have to deal with the firms you owe money to
  
  
• An IVA means you will have only one affordable monthly payment based on your disposable income
  
  
• You will no longer have to juggle your finances to pay your bills
  
  
• The interest on your debts will be frozen
  
  
• An IVA could sort your life out and after five years you will be debt free

Our panel of insolvency practioners may be able to help you sort your financial problems out.

To qualify for one of our IVA programmes you need

• To have more than £15,000 of debts
  
  
• If you have less than £15,000 of debts there may be other alternatives
  
  
• You need to have more than one unsecured loan (including car loans, credit/store cards)
  
  
• You are unable to meet your existing monthly loan payments
  
  
• You are falling deeper into debt and missing loan repayments
  
  
• Re-mortgaging your home is not a solution
  
  
• You have a monthly income (employed only) in excess of £1,000 per month

If this is you, then one of our IVA programmes may be the best answer to your debt problems.

Who can qualify for one of our IVA programmes?

• Private individuals
  
  
• Partners
  
  
• Sole business traders

What will happen if you undertake an IVA

• You will have one static lower affordable monthly payment based on your disposable income
  
  
• After five years you will be deemed to be debt free
  
  
• All legal action and harassing calls from your creditors will be stopped
  
  
• Threatening telephone calls, visits from bailiffs and nasty letters will cease
  
  
• All interest and charges will be frozen
  
  
• Up 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, loan defaults, credit card arrears, are not usually a problem. Our financial advisors will discuss all your money problems totally FREE of charge.

If:

1. You seriously want to reduce your monthly out goings
   
   
2. You genuinely want to reduce your debts
   
   
3. You really want to get you life back on course
   
   
4. You want the stress and worry of debt to disappear as soon as possible
   
   
5. And you want it to happen now!

Complete our simple online form - without obligation and without delay.