IVA help, debt advice and information about IVA 's. Help & advice by sympathetic debt counsellors, write off debt reduce loan repayments now.

Get advice now in order to reduce your debts without borrowing more money. This service is free.

An IVA or Individual Voluntary Arrangement is a government approved legally binding agreement made between a debtor and his or her creditors. An IVA could help dramatically cut your debts, depending on your circumstances, help reduce your monthly repayments to one affordable sum, repayable over 5 years. After the five years, you could be considered to be debt free.

What is an IVA?

How an IVA could help you.

IVA facts.

If you owe more than £15,000 to your creditors apply now. Do your sums - you may owe more than you think

Full name
Address
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Please provide at least one phone number
Home phone
Work phone
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Best contact time	Immediately Between 9am and 11am Between 11am to 1pm Between 1pm to 3pm Between 3pm to 5pm Between 5pm to 7pm Between 7pm to 9pm
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Total amount of debt owed	- Please select - £50,000+ £40,000+ £30,000+ £20,000+ £15,000+ £5000+ £3000+
Current monthly payments	- Please select - up to £180 £180-£350 £350-£500 over £500
Employed	Yes No
Net household income per month	- Please select - under £500 £500-£1000 £1000-£2000 £2000-£3000 £3000-£5000 over £5000
Number of people owed to	- Please select - 1-2 3-6 7-9 10+
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To qualify for one of our IVA programmes

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

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