Bankruptcy may not be the best way forward for your debt problems. An Individual Voluntary Arrangement or IVA is a government approved legally binding arrangement made between a debtor and his or her creditors.

An Individual Voluntary Arrangement could help reduce your debts by up to 75%, help reduce your monthly repayments to one affordable sum, repayable over 5 years. It is a real alternative to personal bankruptcy. After the five years, you could be considered to be debt free.

What is an Individual Voluntary Arrangement ?

How an Individual Voluntary Arrangement could help you.

Ask us why an IVA could be a better alternative to filing for bankruptcy.




To qualify for one of our Individual Voluntary Arrangement programmes

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

If you owe less than £15,000, depending on your circumstances, a Debt Management Plan

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