ARE YOU £7,000

Government legislation may allow you to write off your unaffordable debts and avoid bankruptcy. You could:

  • Completely write off up to 75% of your unaffordable debts
  • Instantly stop interest and charges from accumulating
  • Consolidate all your bills into one affordable monthly payment
  • Stop all collection calls, bailiffs and creditor harrassment

Government legislation may allow you to write off your unaffordable debts and avoid bankruptcy. Check if you qualify now…

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    best option for you at zero cost

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How it Works

What Exactly Is An IVA?

It’s very simple. All you do is make one affordable monthly payment to a qualified legal professional, who in turn distributes the payments according to the amounts previously agreed by your creditors in an IVA proposal.

You do this every month, for 60 months, and at the end of the term any debt balances you still owe are written off. You don’t have to deal with nasty creditors any more, and all the hard work is done for you. And since an IVA is a legally binding agreement, your creditors can’t back out or change the terms after they agree to them.


What Are The Benefits?

An IVA is often considered to be a great option for many people who find themselves in debt. Here’s why:

  • Have up to 75% of your unsecured debt legally written off
  • Substantially reduce your monthly bill payments
  • Interest and late payment charges are instantly frozen
  • Creditors are forced to stop all communication with you
  • You will be completely debt free in just 60 months
  • You make just one monthly payment for all of your debts
  • You will keep your assets including your home and your car

IVA Qualifications

Debts That You Can Be Included

You can include any of the following debts in an IVA:

  • Credit Cards
  • Store Cards
  • Payday Loans
  • Overdrafts
  • Personal Loans
  • Lines Of Credit
  • Business Debt
  • Catalogues

If you owe money to other types of creditors then you can still file an IVA, but you cannot include those debts in your IVA. Click the link below to check if you qualify today.

Do I Qualify For An IVA?

In order to qualify for an IVA you must meet the following criteria:

  • You are £7,000 or more in debt
  • You owe money to three or more creditors
  • You can pay back a minimum of £125 per month
  • You are employed or self employed

Click the link below, answer a few questions and we’ll let you know if you qualify for an IVA. If so, we’ll connect you with a debt advisor who can help you become debt free the fastest way possible.

IVA Example


Credit Card #1 £8,500
Credit Card #2 £4,000
Credit Card #3 £6,000
Personal Loan£1,500
Store Card£5,000
Payday Loan£2,000
Total Owed£28,000



IVA Cons – Disadvantages

  •  Your Credit Rating.

    Your IVA will impact on your credit rating for 6 years from the moment it is accepted.

  •  Windfall Clause.

    Your IVA will require you to notify your Insolvency Practitioner in the event that your receive a financial windfall. You will be expected to contribute your windfall into your IVA for the benefit of your creditors. Depending on the size of the windfall, you may be required to repay your creditors in full and cover all the IVAs costs.

  •  Annual Reviews.

    Your Insolvency Practitioner will need to take an annual snapshot of your financial health. If you can afford to increase your payments into the IVA you will be legally bound to do so.

  •  Restricted Banking Facilities.

    Due to the IVA you will not be allowed to have a bank account with an overdraft, a credit card or Cheque book. Instead you will need to have a basic bank account, which still has all other banking facilities, just no credit.

  •  No Cancellation Clause.

    You can’t simply cancel your IVA. Because all IVAs are legally binding agreements you would be required to notify your Insolvency Practitioner of your wish to terminate your IVA. This could result in you being made bankrupt.

Other Solutions

Other solutions available include bankruptcy, debt management, trust deeds and debt relief orders. Your dedicated advisor will asses you suitability and advise you of the best options.