Thousands of people become debt free with an IVA every year
Find out if you qualify to write off up to
90% of your debts
Debt write off up to 90%
Freeze your interest & charges
One affordable monthly payment

Debt write off up to 90%
Freeze your interest & charges
One affordable monthly payment
Make sense of your money
with your free report
Make sense of your money with your free report
Find out if you qualify for an IVA
Understand where your money goes each month
Let us help you take control of your finances

For more help and advice, visit the Money Advice Service, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here.
Used in the right circumstances, IVAs are a very effective way of helping you to take back control of your finances. Once accepted lenders legally cannot contact you and your payments will be reduced to an affordable level.
Our advisors offer free, clear and confidential debt help and simply speaking to them will not impact your credit rating. They can help to see if you qualify for up to 90% debt write off.
Find out if you qualify to write off up
to 90% of your debts
An IVA typically lasts for five years and the end of the term, debts included are completely written off, as this is an insolvency solution there maybe somethings you want to consider:
Your lenders are not obliged to accept the IVA
If the IVA fails, it could lead to bankruptcy
There will be a restriction on expenditure whilst on the IVA
You will be placed on the public insolvency register
Your credit rating is affected for 6 years
In the final year of the IVA, if you are a homeowner, you may be required to remortgage your home. If successful, the terms of the new mortgage may be less favourable. If you can't remortgage, the term of the IVA will be extended by 12 months
Fees are payable if ongoing services are provided, read more here.
3 Easy steps to start your debt free journey
3 Easy steps to start your debt free journey

Step 1
Answer a few online questions and talk to our expert advisors about how to become debt free.

Step 2
We’ll set everything up so you can start to make one affordable monthly payment.

Step 3
With help from us along the way, continue to climb until you reach your debt free destination.
Find out if you qualify to write off up to 90% of your debts
Get Debt FreeTypical example of an IVA
These figures are based on the averages across all IVAs arranged for customers in 2017 with an average debt level of £33,080. Through the recommendation of an IVA their payments were made more affordable.
£717per month
Old monthly
payment
£540per month
Saving
£177
per month
New monthly
payment
68%of debt
Written off
IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. IVAs are not available in Scotland. Fees Payable.
What separates us from the rest
What separates us from the rest
-
Experience
Over 15 years we’ve helped thousands of people
get debt free -
Highly rated
On the independent review website Feefo, we are
rated 4.9 out of 5 stars. -
In it together
You’ll get your own Relationship Manager dedicated
to helping you through your IVA from start to finish.
Get Started
