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Write off up to 81% of debt you can’t afford
Don’t let your money worries cast a shadow over your life. Expert advice could help you:
Sleep soundly without worrying about your bank balance
Enjoy life without fear of cards being declined
Stop worrying about bailiffs knocking on the door
Four easy steps to solving your problem.
Getting your finances and your life back on track is easier than you think
Fill out the form
Just answer a few simple questions and help us understand how we can help you.
Speak to one of our friendly team
An experienced advisor will call your directly to find a little more about you and your circumstances
We’ll discuss the options for you, based on what you can afford, and allow you to decide the best plan for you
Get your life back
Start experiencing life again, without the pressure of unsecured debt hanging over your head
“I was so embarrassed to admit I was living with debt but when I had to start telling the kids they couldn’t get a new pair of trainers or go on a trip then I knew I needed help. I’m not ashamed of my situation anymore and it’s a huge relief.”
Reduced by 81%
“I try to be responsible with my money, but sometimes that’s easier said than done and a pay cheque doesn’t stretch throughout a whole month. I always thought my debt was manageable, however, when the penny finally dropped and I got advice, I realised I’d been living with stress I didn’t need to.”
Reduced by 72%
“No one wants to admit that they’re struggling to pay the bills – and I tried for as long as I could to keep up appearances and ignore the problem. Asking for help was tough, but when I did, I felt instantly at ease knowing my monthly payments were reducing so drastically”
Reduced by 74%
“Debt can creep up on you – I got to the stage where I was missing experiences like nights out with my friends and holidays with my family, because my debt made me feel like I didn’t deserve it. It was soul destroying. Finding help has not only helped me regain control but it’s given me back my focus”
Reduced by 77%
We’ve helped thousands of people manage their debts from big name businesses
Let us help you deal with your debt with our confidential advice
We’ve helped thousands of people, just like you, write off unsecured debt they can’t afford and enjoy a life free of pressure and hassle from the people they owe money to using an Individual Voluntary Arrangement (IVA)
You can write off most types of unsecured debt, including:
Pay day loans
Are you losing sleep worrying about your debt?
There’s no denying that living with debt is all consuming. You might put a brave face on for your loved ones, but the reality is you can’t stop stressing about where the money is coming from to put food on the table and keep the lights on at home.
You don’t have to live like this. You can live a life safe in the knowledge that your debts are being managed and you don’t need to worry that bailiffs are going to knock on your door at any moment
You aren’t the only one living with debt
Every day we help thousands of people across the country manage their debts. We understand that you just want to get on with life, which is why we’re proud to offer friendly and impartial debt help
Frequently Asked Questions
An IVA is a form of insolvency that allows you to write off unsecured debt and is an alternative to bankruptcy. You'll make a single monthly payment based on your affordability which is then divided between the people you owe money to. All interest and fees associated with any debts included within the IVA will be frozen and creditors can’t contact or take any further action against you.
At the end of the IVA term any remaining debts will be written off.
An Individual Voluntary Arrangement (IVA) is a formal debt solution that creates alegally binding agreement between you and the people you owe money to. You may decide to enter an IVA if you’re struggling to repay the total amount of unsecured debt you currently have but can repay some.
Yes, an IVA will have an impact on your credit rating as it will show on your credit report for six years after it has been approved. However, it’s important to note this is the case for most debt solutions and your credit score will likely already have been affected by being in debt in the first place.
Once your IVA is complete you will be offered a fresh start to begin rebuilding your credit rating.
In most cases entering an IVA won’t affect employment. However, in certain professions, such as accountants and solicitors, having an IVA may mean that you can no longer practice or you may only be able to practice under certain conditions.
Once you enter an IVA, creditors can take no further action against you and can’tcontact you directly.
An IVA can be a positive way to manage unaffordable unsecured debt and allow you to better manage your monthly finances.
In an IVA a single monthly payment is agreed with your current financial situationtaken into consideration – this payment is then divided between the people you owe money to. During the course of your plan all interest and fees associated with your debts are frozen.
At the end of the IVA the remaining debts are written off and you can begin your debt-free future.
When you’re considering entering an IVA, it’s important to be aware of the following:
- If you’re a homeowner you may need to release equity from your home in the final year of your IVA. If this isn’t possible then the length of your IVA may increase by a year.
- Your credit rating will be affected.
- Only the unsecured debts included in your IVA will be written off at the end of the agreement.
- Your IVA will be recorded on a public register.
We offer debt advice tailored to your circumstances. We’ll find out more about your current financial situation, your lifestyle and advise is an IVA is the best debt solution for you.
All of our initial advice is free; however, fees will apply should you decide to enter into an arrangement. These will be discussed by an expert advisor to makesure you are fully aware of the costs involved.