Independent Advice
No Bankruptcy. No loss of Dignity
Debt Consolidation Advice
Debt Consolidation Advice: The Way Out of your Debt (Without More Debt!)
Apply For The IVA or Debt Relief Plan For Your Own Circumstances
No Bankruptcy. No loss of Dignity.
An IVA is a debt relief plan set up to provide a solution to personal debt and deal generally with the growing issue of individual insolvency.
The needs of one household or one individual can vary greatly from the needs of another. Any debt consolidation advice given must thus reflect the diverse nature of the situation in which people find themselves.
Generally an Individual Voluntary Arrangement will be set to run for sixty months (sometimes less) and when this has finished all debts are cleared from the credit profile. During this time none of the creditors are allowed to pursue or harass the debtor.
So complete the application form for impartial debt consolidation advice for your own personal circumstances.
If you have at least two accounts in debt, and total debts of £2,000 or more, use the form below to see if you qualify. (If you owe less than this, or are on state benefits, then use this link to apply.)
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Please be aware that figures entered need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and inrelation to any specific circumstances that may relate to you. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.
Consumer Credit Licence number 633327.
Debt Consolidation Advice
Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.
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