What is an Individual Voluntary Arrangement?
How a UK Individual Voluntary Arrangement may help you.

The Individual Voluntary Arrangement procedure

If you owe more than £15,000, you could write off up to 75% of your debts, freeze all interest and charges on your debts and make one affordable monthly payment based on your disposable income.

You don’t have to take out more debt consolidation loans to do this. An Individual Voluntary Arrangement is a government approved formal agreement between you and your creditors that writes off most of your debt enabling you to get your life back. After five years, you are considered to be debt free.

An Individual Voluntary Arrangement protects you from bailiffs calling, harassing telephone calls, threatening letters and bankruptcy. Why suffer when we could have the solution.

If you owe less than £15,000, depending on your circumstances, a Debt Management Plan. could be the solution. A DMP can reduce your monthly payments and freeze interest on your debt. But if your debt is substantial, ( over £15,000), an Individual Voluntary Arrangement may be the solution.

• An Individual Voluntary Arrangement protects you from your creditors
• An Individual Voluntary Arrangement reduces your monthly payments to an affordable figure
• Interest charges are frozen
• After 5 years you are debt free
• You are free of financial stress

Our panel of experienced debt negotiators handles all kinds of personal financial situations. It is likely we can help you.

An Individual Voluntary Arrangement is a government approved formal arrangement which is agreed with your creditors to pay a fixed affordable monthly payment over 5 years after which the total amount of your debt is written off. It is just one affordable monthly payment to your creditors

• An IVA will stop all legal action by your creditors including bankruptcy procedures
• Embarrassing telephone calls and threatening letters will stop
• Interest and charges are frozen
• Fixed low repayments over 5 years at the end of which your debt is cleared
• Up to 75% of your total debt may be written off
• And an Individual Voluntary Arrangement is not advertised nor notified to your employer or landlord

ACT NOW IF

• You owe more than £15,000
• You have unsecured credit loans, credit cards, store cards
• You are only paying the minimum repayments
• You are just paying interest charges
• You are seeking help or a solution to your debt problems
• You have an income in excess of £1000 per month
• You are not currently under a debt management programme

An Individual Voluntary Arrangement may be your lifeline to a new stress free life.

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