If you have a serious debt problem, you may be eligible for what is known as an IVA (Individual Voluntary Arrangement). 

The IVA was introduced by the government in 1986 and enables a person in debt to make a proposal to the people they owe money to in order to reach a settlement.

With an IVA you form a legally binding agreement with your creditors (people you owe money to) to pay only what you can afford. You agree to make a single affordable payment each month over a five year period, with your creditors agreeing to write off as much as 75% of your debt. 
Interest and charges frozen Protection from further legal action
Debts cleared in 5 years Keep your home and car
Threatening letters and phone calls will stop Avoid social stigma associated with bankruptcy

If you owe more than £15,000 and are in regular employment, an IVA might be the best way out of debt for you. 

Simply complete the enquiry form to see if you qualify and to get FREE no obligation advice from an expert.

Find more information on the advantages and the IVA Process.
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