UK Debt HelpSpecialists
We’ve helped thousands across the UK consolidate debt into one affordable monthly payment with an IVA.
- Find the right solution for you
- Get your debts under control
All options will be clearly explained. Fees and considerations may apply.
How to reduce your debt...
UK residents have a right to debt help and there are tried and tested solutions that can help lower your debt payments, freeze interest and charges, and stop pressure from creditors.
If you owe £7,000 or more, you could be eligible for professional debt help to write off part of what you owe. Solutions such as an Individual Voluntary Arrangement (IVA) could hold the key to your debt free future.
Apply today
It’s never too early or late to seek help. Take the first steps to regain control of your finances by completing our simple online form
Free, confidential and no obligation. Checking won’t affect your credit score.
We are Money Advice
Why Choose Us?
We provide practical and ethical IVA guidance.
- We can help
We’ll take time to understand your situation. - We resolve
Once you’re ready, we’ll talk you through the IVA process and help make those important next steps. - We listen
When you’re in debt, talking about it can be hard. Our team will take the time to listen to your concerns. - We understand
We’ve dealt with various circumstances and know the importance of receiving the right support.
Ready to regain control of your finances?
It’s never too early or late to seek help. Now could be the time if you are:
- Regularly worrying about money
- Struggling to pay your household bills
- Paying bills with credit
- Relying on your overdraft or credit card to get by
- Missing credit card repayments
- Hiding your spending habits from your family
- Avoiding letters and calls from your creditors
Complete the questions below to see if you could qualify.
How we helped Timothy
Honest, real no nonsense help
Excellent, honest open advice given by non-judgemental empathetic people. A real light at the end of the tunnel! Thank you so much for your help and support.
£120
Monthly payment
£25,198
Debt amount
72%
Debt written off
Timothy
How we helped Lisa
Fantastic service
Explained everything carefully and professionally. Has put my mind at rest with my money.
£90
Monthly payment
£7,044
Debt amount
24%
Debt written off
Lisa
How we helped Barry
Great service and understanding
Really understanding and caring, great help from lovely staff who made me feel at ease from start to finish and have helped relieve my stressful situation.
£150
Monthly payment
£16,912
Debt amount
47%
Debt written off
Barry
IVA FAQs
If approved, an IVA could help reduce your monthly repayments, freeze interest and charges, and stop further creditor action. You make one affordable monthly payment based on what you can realistically afford, and any remaining unsecured debt included in the IVA is written off when it is successfully completed.
An IVA is a legally binding agreement between you and your creditors to repay what you can realistically afford over a fixed period, usually five years. If successfully completed, any remaining unsecured debt included in the IVA is written off.
An IVA combines eligible unsecured debts into one affordable monthly payment. Unlike a debt consolidation loan, you do not borrow more money. If successfully completed, any remaining unsecured debt included in the IVA is written off.
Yes. An IVA will affect your credit rating and usually remains on your credit file for six years from the date it is approved. Checking whether you may qualify will not affect your credit score.
IVA fees only apply if you decide to proceed and your IVA is approved. They are paid as part of your agreed monthly payment, not in addition to it. Your payment is based on what you can realistically afford, and all fees will be clearly explained before you decide whether to go ahead.
Most IVAs last for five years. If you are a homeowner and cannot release equity, the IVA may be extended by up to 12 months. Once the IVA is successfully completed, remaining unsecured debt included in the IVA is written off.
No. You do not have to be employed, but you need a regular income or money available each month to make affordable repayments. This could include wages, self-employed income, pension income or certain benefits.
No. You can apply for an IVA whether you are a homeowner, tenant, living with family or living in another arrangement. Your circumstances will be reviewed before any recommendation is made.
If an IVA is not approved or is not suitable, other debt solutions may still be available. Your circumstances can be reviewed and, where appropriate, you may be referred for advice on alternative options.
An IVA is a formal debt solution and may not be suitable for everyone. It will affect your credit rating, be recorded on the public Insolvency Register, and you must keep to the agreed payments. If your IVA fails, you may still owe money to your creditors and could be at risk of further action.
You may be able to stop an IVA, but this can have serious consequences. Your IVA may fail, creditors may be able to take further action, and fees or costs may be deducted from payments already made. You should speak to your insolvency practitioner before making any decision.
We’ve helped thousands across the UK reduce their monthly repayments with an IVA.
Rated 4.9/5 on Trustpilot from over 2,200 reviews, and 5/5 on Feefo from over 3,600 reviews.
Is an IVA right for you?
Answer a few questions to find out whether an IVA could suit your circumstances.
Prefer to arrange a call?
Speak to us about your options at a time that works best for you.
To find out more about managing your money and getting free advice, visit Money Helper, an independent service set up to help people manage their money.
