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How you can use UK legislation to write off 70% of your debts with an IVA….

Individual Voluntary Arrangements (IVA’s) were introduced by the Government in the 1986 Insolvency Act as an alternative to bankruptcy. They were put in place to help anyone in serious debt finding it difficult to make their monthly payments. If you live in Scotland the equivalent solution is a Trust Deed.

An IVA is a formal agreement with your creditors (the people you owe money to) where you agree to pay only what you can realistically afford, taking into account your living expenses and monthly income. This is paid as a single monthly payment, usually over a period of sixty months. At the end of the period any remaining debt is written off and you owe nothing.



Benefits of an IVA


Reduce your credit card debt by up to 70%

One low monthly payment as little as £80
No need for any more loans
Stop demands from lenders

What Our Clients Say

Kerry gave me peace of mind right from the first call.  Everything was quickly arranged and I now make one low monthly payment of £126 to clear my debts. I can’t thank you enough! John Ravensfield



Eliminate your debt at a monthly rate that you can afford!

Just complete our simple form to see if you qualify

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Frequently Asked Questions

Will I lose my house on an IVA?

No. As long as you maintain your monthly rent/mortgage payments you will not lose your house, your personal advisor will budget that you have enough money to pay all your every day bills such as rent council tax, shopping etc when working out a comfortable payment for you to pay into the IVA.

Will my creditors accept my IVA?

The decision of the IVA being successful or not will be decided by your creditors, we arrange a meeting once we have drafted your IVA proposal. Creditors tend not to attend the meeting anymore, we arrange a date and time with the creditors for the meeting to take place, we then fax the proposals over and await their votes. As long as a minimum 75% of the total debt agrees then the IVA is accepted.

What if the creditors don’t accept my IVA?

The vast majority of the IVA’s that we put forward are accepted, our experienced advisors are trained into looking for any potential problems in your proposal and this is key when getting your IVA accepted. If your IVA is not accepted we have a various other solutions we can help you with.

Why Us?

We pride ourselves as one of the few companies who do not charge up front or setup fees. Paying any company setup or up front fees will cost you hundreds that is completely unnecessary and should be going towards your lenders.

Having a good relationship with creditors we make sure that every IVA is carefully considered by the lenders so our clients can get the best possible outcome. Aiming to get interest and charges frozen in your plan wherever possible, Although once accepted this is guaranteed with an IVA

We have an excellent customer care team, who always puts you first. They are highly qualified and will be able to answer any question or concerns professionally.

What Our Clients Say

I was struggling with £34,200 pounds worth of debts after my divorce. Getting accepted for my IVA got me back on the right track. Now it has finished I’m debt free again! Thanks to your excellent friendly staff who don’t judge you and help you every step of the way.

Sarah Butters


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