If you are considering filing for bankruptcy or have creditors threatening you with bankruptcy, there are other alternatives to being made bankrupt.

An Individual Voluntary Arrangement is a formal contract between you and your creditors. So what is an Individual Voluntary Arrangement

If your debts amount to more than £15,000 an Individual Voluntary Arrangement may be the best solution to your debt problems. If your debts amount to less than £15,000 there may be other debt solutions

Everyone is finding the burden of debt too heavy to manage and more and more people are facing bankruptcy. Higher interest rates, increasing fuel bills, credit card interest repayments and taxes all lead to debt problems. However, there are real alternatives to bankruptcy that could help you write off 75% of your debt.

An Individual Voluntary Arrangement is an alternative to bankruptcy and is a government approved scheme.

Our panel of insolvency practitioners can negotiate on your behalf with all your creditors and protect you from bankruptcy.

Using an Individual Voluntary Arrangement, we can help you write off up to 75% of your debt, reduce your payments to one affordable monthly payment and freeze the interest.

This is done without taking on the burden of another loan. You pay what you can afford and the rest of your debts are written off. Isn’t that better that being made bankrupt?

You only have to pay a fixed lower monthly payment to clear all the debts over a 5 year period.

We can help you get your life back on course and remove the burden of huge debts.

• An Individual Voluntary Arrangement means the harassment calls and threatening letters stop
• Your creditors cannot make your bankrupt
• An Individual Voluntary Arrangement means you will have one affordable monthly payment based on your disposable income
• You will no longer have to juggle with paying your bills
• The interest on your debts will be frozen
• An Individual Voluntary Arrangement could give you back your life and after five years you will be debt free

Our panel of insolvency practitioners may be able to help you sort your financial problems out and give you peace of mind.

To qualify for one of our Individual Voluntary Arrangement programmes you need

• You have more than £15,000 of debts
• If you have less than £15,000 of debts there may be other alternatives
• You need to have more than one unsecured loan (including credit cards)
• You are unable to meet your existing payments
• You are falling deeper into debt
• Re-mortgaging is not a solution
• You have a monthly income in excess of £1,000 per month

If this is you, one of our Individual Voluntary Arrangement programmes may be the solution to your debt problems.

Who can qualify for an Individual Voluntary Arrangement?

• Private individuals
• Partners
• Sole business traders

What will happen if you undertake an Individual Voluntary Arrangement

• You will have one fixed lower affordable monthly payment based on your disposable income
• After five years you will be considered debt free
• You are protected from bankruptcy
• All legal action from your creditors will be stopped
• Harassing telephone calls, visits from bailiffs and threatening letters will cease
• All interest and charges will be frozen
• Up to 75% of your total debts could be written off

Threats of repossession, bankruptcy, mortgage or rent arrears, bailiffs calling, CCJs, defaults, credit card arrears, are not necessarily a problem. Our financial specialists will discuss all your money problems totally FREE of charge.
If:

1. You want to reduce your monthly out goings
2. You want to reduce your debts
3. You want to get you life back on course
4. You want the stress and worry of debt to disappear
5. And you want it to happen now!

Complete our simple online form – without obligation and without delay

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