IVA UK. Free debt help and advice on UK IVA 's. IVA advice by insolvency practioners. An individual voluntary arrangement may help your debt problems

We may be able to help you to significantly reduce your debts and persuade your creditors to write off substantial amounts of the money you owe them without you having to borrow more money. This is a free service.

What is an IVA?

How a UK IVA may help you.

The IVA procedure.

If you owe more than £15,000, you could dramatically lower your debts, depending on your circumstances, freeze all interest and charges on your debts and make one affordable monthly payment based on your personal disposable income.

You don't have to take out another debt consolidation loan to achieve this. An IVA is a government approved formal agreement between you and your creditors that writes off most of your debt enabling you to get your life back. After five years, you are considered to be debt free.

An IVA protects you from bailiffs calling, harassing telephone calls, threatening letters and bankruptcy. Why suffer when we could have the solution.

If you owe less than £15,000, depending on your circumstances, a Debt Management Plan could be the solution. A DMP can lower your monthly loan payments and freeze interest on your debt. But if your debt is substantial, (over £15,000), an IVA may be the solution.

Do your sums - you may owe more than you realise.

• An IVA protects you from your creditors
  
  
• An IVA reduces your monthly payments to an affordable figure
  
  
• Interest charges are frozen
  
  
• After 5 years you are debt free
  
  
• You are free of financial stress

Our panel of experienced debt negotiators handles all kinds of personal financial situations. It is likely we can help you.

An IVA is a government approved formal arrangement which is agreed with your creditors to pay a fixed affordable monthly payment over 5 years after which the total amount of your debt is written off. It is just one affordable monthly payment to your creditors

• An IVA will stop all legal action by your creditors including bankruptcy procedures
  
  
• Embarrassing telephone calls and threatening letters will stop
  
  
• Interest and charges are frozen
  
  
• Fixed low repayments over 5 years at the end of which your debt is cleared
  
  
• Up to 75% of your total debt may be written off
  
  
• And an IVA is not advertised nor notified to your employer or landlord

ACT NOW IF

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