Debts Over £6000 or more?

A Individual Voluntary Arrangement could help…

Arrange a lower monthly repayment

Your creditors are legally forbidden to verbally contact you

Interest and charges could be frozen

1 monthly manageable repayment

Enable you to have more disposable income

Get debt help

You must have a minimum of £6,000 of qualifying unsecured debt with two or more creditors in order to qualify for debt write off in an IVA. Figures vary depending upon individual financial circumstances and approval from your creditors.

Let us help you take control of your money worries…

Chat to us

Get started by calling us on the number above or by clicking on the get debt help now button and filling out the form and one of our advisors will contact you.

Help & Support

Your Money Worries advisor will listen to your needs and take you through all available solutions enabling you to make an informed decision on the path you wish to take.

Your Solution

Together with our trusted & regulated partners we will proceed in putting your solution in place, giving help & support every step of the way.

Debts Over £6000 or more?
A Individual Voluntary Arrangement could help you today…

Arrange a lower monthly repayment

Your creditors are legally forbidden to verbally contact you

Interest and charges could be frozen

1 monthly manageable repayment

Enable you to have more disposable income

Get debt help

You must have a minimum of £6,000 of qualifying unsecured debt with two or more creditors in order to qualify for debt write off in an IVA. Figures vary depending upon individual financial circumstances and approval from your creditors.

Let us help you take control of your money worries…

Chat to us

Get started by calling us on the number above or by clicking on the get debt help now button and filling out the form and one of our advisors will contact you.

Help & Support

Your Money Worries advisor will listen to your needs and take you through all available solutions enabling you to make an informed decision on the path you wish to take.

Your Solution

Together with our trusted & regulated partners we will proceed in putting your solution in place, giving help & support every step of the way.

Individual Voluntary Arrangement

An IVA (Individual Voluntary Arrangement) is a legally binding agreement between you and your creditor and is managed by an Insolvency Practitioner (IP).

The IVA allows you to consolidate your unsecured creditor commitments into 1 monthly payment and usually lasts for a period of 5 years.

At the end of the agreed time period, the remaining debt is written off with a certificate of completion being issued at the end.

The IVA is just one way to tackle your money worries and here’s what it could potentially do for you:

  • Arrange lower monthly repayments
  • Stop creditor demands – We know that creditor contact and demands can be very distressing, this can be managed for you
  • Provide you with on-going help, guidance and support
  • Your interest and charges are legally frozen
  • Your creditors are legally forbidden to verbally contact you
  • You may have a sum of debt written off at the end of your IVA term
  • Resulting in you having 1 monthly and manageable repayment to pay back to your creditors, ensuring you can pay your household bills; such as your rent, council tax etc.
  • The creditors are not allowed to take or pursue any pending legal action against you

Individual Voluntary Arrangement

An IVA (Individual Voluntary Arrangement) is a legally binding agreement between you and your creditor and is managed by an Insolvency Practitioner (IP).

The IVA allows you to consolidate your unsecured creditor commitments into 1 monthly payment and usually lasts for a period of 5 years.

At the end of the agreed time period, the remaining debt is written off with a certificate of completion being issued at the end.


The IVA is just one way to tackle your money worries and here’s what it could potentially do for you:

  • Arrange lower monthly repayments – It may take you longer to repay your debts however this will enable you to pay something back and regain control of your finances
  • Stop creditor demands – We know that creditor contact and demands can be very distressing, this can be managed for you
  • Negotiate to have your interest and charges frozen for you – Although your creditors do not have to agree to this, every effort will be put into achieving this for you
  • Resulting in you having 1 monthly and manageable repayment to pay back to your creditors, ensuring you are able to pay your household bills; such as your rent, council tax etc

What people are saying…

Amazing, helpful and friendly. I have already recommended you to a colleague and he’s been in touch with yourselves. I definitely made the right choice. Wonderful service.

Lisa M

As well as our great service...

If you’d like more information on other sources of free debt help and advice you can visit the Money Advice Service. It's an independent service, set up by the government to help people make the most of their money.

As well as our great service...

If you’d like more information on other sources of free debt help and advice you can visit the Money Advice Service. It's an independent service, set up by the government to help people make the most of their money.