An IVA (individual voluntary arrangement) can help you reduce your debts by up to 75%.

An IVA is a formal contract between you and your creditors. So what is an IVA

If your debts amount to more than £15,000 an IVA may be the answer to your debt problems. If your debts amount to less than £15,000 there may be other debt solutions

More and more people are finding the burden of debt to heavy to manage. Increasing interest rates, higher fuel bills, credit card interest repayments and taxes all lead to debt problems. However, there are solutions that could help you write off 75% of your debt.

An IVA is an alternative to bankruptcy and it is a government approved scheme.

With an IVA, we can help you get out of debt by reducing your debts by up to 75% without borrowing more money.

Our panel of debt negotiators can negotiate on your behalf with all your creditors and protect you from harassing calls and bailiffs.

Using an IVA, 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 – We don't increase your debt, we reduce it. You pay what you can afford and the rest of your debts are written off. 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 IVA means you will no longer have to deal with the companies you owe money to
• An IVA 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 IVA could give you back your life and after five years you will be debt free

Our panel of debt management negotiators may be able to help you sort your financial problems out and give you peace of mind.

To qualify for one of our IVA 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 IVA programmes may be the solution to your debt problems.

Who can qualify for an IVA?

• Private individuals
• Partners
• Sole business traders

What will happen if you undertake an IVA

• You will have one fixed lower affordable monthly payment based on your disposable income
• After five years you will be considered debt free
• 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

How would this change your life?

Threats of repossession, 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:

• You want to reduce your monthly out goings
• You want to reduce your debts
• You want to get you life back on course
• You want the stress and worry of debt to disappear
• And you want it to happen now!

Complete our simple online form – without obligation and without delay

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