Flexible Debt Solutions 

Financial support for debt management. 

Write off unsecured debt using a government-backed scheme *

Consolidate all your unsecured debts into one monthly repayment. 

Stop interest and charges from accumulating. 

No upfront fees – saving you £100’s. 

Stop all creditors, collection calls and bailiffs harassment.

Professional Support

Our partners will help you find the best option for you at zero cost.

Discrete and Confidential 

Your debt consultation with our partner is completely confidential.

No Upfront fees and Cost

Saving you time, money and getting further into debt.

Peace of Mind

Our partners will deal with all correspondence from your creditors for you.


Is an IVA right for me?

You must be technically insolvent. Your Insolvency Practitioner will look into your financial circumstances (income, day to day expenditure and debt level) before suggesting whether an IVA is right for you.  

There are two basic checks of insolvency:

  • Your debts are greater than your assets
  • You are unable to pay your debts as they fall due for payment

If these conditions apply to you, then seeking advice as an IVA may save you from bankruptcy.

How much debt do I need to qualify for an IVA?

You need a minimum debt level of £5,000 and two creditors to be considered for an IVA.

How long does it take to set up an IVA?

No one IVA is the same and the time they can take varies. An IVA can take anywhere between 4-8 weeks to set up depending on how complex your financial arrangements are. Once the IVA proposal is passed to creditors, it can take another 2 weeks to finalise.

How long will an IVA last?

Generally, IVAs run for 60 months or 5 years. However, it is possible to vary the term by either overpaying so it will be paid off sooner or taking a sanctioned payment break for a few months, at the judgement of your Insolvency Practitioner.

How much do I have to pay Into the IVA?

The amount you pay will depend on your personal financial situation and agreed between you, the Insolvency Practitioner and your creditors. 
Will my home be safe?

When you are in an IVA you won’t have to sell your property. However you may be required to release equity by taking out a remortgage in the last year.

Can the creditors continue to chase me when I am in an IVA?

No, an IVA is legally binding as long as you keep up payments and co-operate with the Supervisor when asked to do so. Once an IVA has been approved, your creditors have no legal right to pursue you outside of the IVA, so letters and phone calls should stop.

Can I keep my credit card just in case I have an emergency?

You are not allowed to have any form of credit while you are undertaking an IVA, and this includes credit cards, overdrafts, loans and store cards.

  • In some cases and with some debt solutions up to 85% of the debt can be written off. The amount
    written off will depend on your circumstances, income, assets and the current write-off policy of your creditors. Levels between 25% and 85% are realistic, depending on your ability to repay.