New debt statistics released from Credit Action Personal debt increased by £1million every 10 minutes in 2008 More...
Homeowner IVAs becoming more common There has been an increase in the proportion of homeowners applying More...
Sharing financial responsibility with an IVA People are looking for new ways to resolve their debt More...



Are you worried about your debt? You're not alone. Millions of people throughout the UK are worried about spiralling credit card bills, household expenses and other financial commitments.
But don't worry, when you're in serious debt you can still take control.
An individual voluntary arrangement means you could write off a significant proportion of your debt. It is a legal process, which allows you to pay back a percentage of the debt you can afford. More...
Answer YES to the following and an IVA might be for you:
Contact us on 0800 587 99 77 for a free and confidential no obligation assessment to see if an IVA could be suitable for you. Or apply for your free IVA assessment online.
* The following conditions apply when entering an IVA:
Debt will only be written off where an IVA is suitable and you keep to the terms of the agreement.
The proportion of debt written off will depend on your individual circumstances. This relates to unsecured debt and does not include secured loans, mortgages or HP.
If you do not keep to the terms of the IVA your creditors may make you bankrupt.
If you enter into any arrangements which vary the terms under which you originally borrowed the money your credit rating may be adversely affected; this means that you may find it more difficult to obtain credit in the future and if you do obtain credit in the future it may be at higher interest rates.
Homeowners only: If entering into an IVA, you may be required to re-mortgage your property as a condition of your arrangement.
We do not charge any upfront fees for the service we provide. If you choose to proceed with an IVA our fees will
be taken from the contributions you make.