If you qualify for an IVA then it is often the best way of becoming debt free. For free advice on how an IVA can help you with your debts, call 0800 0481 777.

• An IVA will write off debts that you cannot afford.
• Interest or charges frozen.
• One low affordable monthly payment to make.
• Only pay back part of your debt.
• After 60 months you will be debt free.
• You will not have to sell any major assets, such as your home.
• It is legally binding so once the proposal has been agreed your creditors cannot back out.
• No risk to your professional status.

Terms & Conditions Apply. An IVA is for unsecured debts only, and should only be considered in extreme circumstances as failure to adhere to the IVA agreement could result in bankruptcy. Debt write off only applies when the IVA is agreed by your creditors and you have completed the, typically, 60 month term. Once your IVA commences, your monthly contribution is fixed and there are no additional fees on top. Our fees, paid by your creditors, are taken out of your monthly contributions to your IVA and will be notified to you in advance. Some homeowners may be required to remortgage.