Write off up to 81% of your debt...

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What debt are you most concerned about?

Credit Cards

Payday Loans

Store Cards

Overdrafts

Personal Loans

Lines of Credit

Business Debt

Catalogues

Our 3 Step Process

01. Get Started

Answer a few quick questions to check if you qualify to write off debt

02. Speak to an expert

Chat to a debt expert for your personalised plan

03. Relax

Leave the rest to us and get back to enjoying life without money worries

Benefits of a debt solution to your life

Financial benefits of a debt solution

What our customers are saying.

We've helped thousands of people, just like you, find a solution suited to their needs

How it works…here’s an example!

See how an IVA could help you with this simple example to consolidate all unsecured debts into one smaller monthly payment and write off unaffordable debt.

Example of unsecured debts.

Bank Loans

£11,152

Short Term Loans

£2,226

Phone Bills

£302

Credit Cards

£2,395

Store Cards

£648

Payday Loan

£1,408

Overdraft

£172

Total amount owed:

£18,303

Customer monthly repayments

Before an IVA - £610
After an IVA - £120

Reduced by 80%

Monthly payments are based on individual financial circumstances

The advisers were very knowledgeable and very helpful.

Shavaughne Bernhardt

Frequently Asked Questions.

An Individual Voluntary Arrangement (IVA) is a formal debt solution that creates alegally binding agreement between you andthe people you owe money to. You may decide to enter an IVA if you’re struggling to repay the total amount of unsecured debt youcurrently 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 situation taken 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 are a homeowner and your property has equity in it, you’ll need to try to re-mortgage which could result in an increased interest rate.
  • 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.
We offer free debt advice tailored to your circumstances. We’ll find out more about your current financial situation and your lifestyle to advise on the best solution for you. Although we offer advice on all debt help solutions available, we specialise in Individual Voluntary Arrangements (IVAs), Trust Deeds and the Debt Arrangement Scheme (DAS).
All of our initial advice is free; however, fees will apply should you decide to enter into an arrangement. These will be discussed by an expert advisor to make sure you are fully aware of the costs
involved.