Write off up to 81% of debt you can't afford*

Don’t let your money worries cast a shadow over your life. With expert help you could:

Manage what you owe with debt help tailored to your needs

We’ve helped hundreds of people write off unsecured debt they can’t afford and enjoy a life free of pressure and hassle from the people they owe money to using an Individual Voluntary Arrangement (IVA)

Four easy steps to solving your problem

Getting your finances and your life back on track is easier than you think

Fill out the form

Just answer a few simple questions and help us understand how we can help you.

Speak to one of our friendly team

An experienced advisor will call your directly to find a little more about you and your circumstances

You decide

The advisor will discuss the options for you, based on what you can afford, and allow you to decide the best plan for you

Get your life back

Start experiencing life again, without the pressure of unsecured debt hanging over your head

Are you losing sleep worrying about your debt?

There’s no denying that living with debt is all consuming. You might put a brave face on for your loved ones, but the reality is you can’t stop stressing about where the money is coming from to put food on the table and keep the lights on at home.

You don’t have to live like this. You can live a life safe in the knowledge that your debts are being managed and you don’t need to worry that bailiffs are going to knock on your door at any moment

Are you losing sleep worrying about your debt?

Every day we help people across the country manage their debts. We understand that you just want to get on with life, which is why we’re proud to offer friendly and impartial debt help

Frequently Asked Questions

An IVA is a form of insolvency that allows you to write off unsecured debt and is an alternative to bankruptcy.

You’ll make a single monthly payment based on your affordability which is then divided between the people you owe money to. All interest and fees associated with any debts included within the IVA will be frozen and creditors can’t contact or take any further action against you.

At the end of the IVA term any remaining debts will be written off.

An Individual Voluntary Arrangement (IVA) is a formal debt solution that creates alegally binding agreement between you and the people you owe money to. You may decide to enter an IVA if you’re struggling to repay the total amount of unsecured debt you currently have but can repay some.

Yes, an IVA will have an impact on your credit rating as it will show on your credit report for six years after it has been approved. However, it’s important to note this is the case for most debt solutions and your credit score will likely already have been affected by being in debt in the first place.

Once your IVA is complete you will be offered a fresh start to begin rebuilding your credit rating.

In most cases entering an IVA won’t affect employment. However, in certain professions, such as accountants and solicitors, having an IVA may mean that you can no longer practice or you may only be able to practice under certain conditions.

Once you enter an IVA, creditors can take no further action against you and can’t contact you directly.

An IVA can be a positive way to manage unaffordable unsecured debt and allow you to better manage your monthly finances.

In an IVA a single monthly payment is agreed with your current financial situationtaken into consideration – this payment is then divided between the people you owe money to. During the course of your plan all interest and fees associated with your debts are frozen.

At the end of the IVA the remaining debts are written off and you can begin your debt-free future.

When you’re considering entering an IVA, it’s important to be aware of the following:

  • If you’re a homeowner you may need to release equity from your home in the final year of your IVA. If this isn’t possible then the length of your IVA may increase by a year.
  • Your credit rating will be affected.
  • Only the unsecured debts included in your IVA will be written off at the end of the agreement.
  • Your IVA will be recorded on a public register.

There is no cost attached to an initial consultation, however, fees will apply should you decide to enter into an arrangement. Fees are deducted from your agreed monthly payments before distributions to your creditors and are not an additional charge. These will be discussed by an expert advisor to make sure you are fully aware of the costs involved.