We may be able to help write off your unaffordable debt

We help people like you everyday get out of debt. We maybe able to help you to. Check if you qualify today.

  • Write off unsecured debt
  • Freeze interest and charges
  • Stop being hassled and pressured
Check if you qualify

May not be suitable in all circumstances. Fees apply. Your credit rating may be affected



  • Creditors don't have to agree to an IVA proposal so it's not guaranteed
  • Your information will be held on the public insolvency register
  • If you earn additional income then a percentage of this may need to be paid into the IVA.
Start the process today. Don’t face unaffordable debt alone.

Taking care of debt is a big deal, so we've broken it down into small steps.

Answer some quick questions

Enquire today to learn more about an IVA

Speak to a debt specialist

Speak to one of our experienced debt expert partners who will explain all the available options to you.

Choose your Debt Solution

Select the best debt solution that fits for your circumstances and lifestyle

Check if you qualify
  • Help that’s tailored to your needs.

    Once we understand your personal circumstances, we will be best placed to give you the best debt support. Our policy is to listen to you and understand your individual situation. Once this has been established we will match you with the debt solution that fits you best.

  • IVA - England, Wales, NI

    An individual voluntary arrangement (IVA) is a formal and legally binding agreement between you and your creditors to pay back all, or part of your debts over a period of time at an affordable rate.

  • Trust Deed – Scotland

    A Protected Trust Deed is a legally binding debt relief solution available to people living in Scotland with £5,000 or more of unsecured debt.

  • They got out of debt and so can you.

    Anyone can get into debt. But sometimes, it takes a bit of help to get out of it. That’s what we’re here for. And here are some of the people we’ve helped.

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 information and advice on Individual Voluntary Arrangements. We will assess your financial situation and your lifestyle and advise if an Individual Voluntary Arrangement is a suitable solution for you. If you choose to enter into an IVA Timothy Pope will act as Nominee on your behalf.

Once your IVA is complete you will be offered a fresh start to begin rebuilding your credit rating.

There is no cost attached to an initial consultation, however, fees will apply should you decide to enter into an arrangement. Fees are deducted from your agreed monthly payments before distributions to your creditors and are not an additional charge. These will be discussed by an expert advisor to make sure you are fully aware of the costs involved.


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