Do you qualify to have up to 80% of your debt written off?

  • Write off up to 80% of your debt
  • Freeze interest and charges
  • Lower your monthly repayments
  • We take care of debt collectors and bailiffs
One of the UK's Leading Debt Help Tools.
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Thank you. Okay, good news, based on your answers, it seems we could help you In order to check if you qualify to have up to 80% of your debt written off, please fill out the remaining fields below ...

Thank you, . We now need to speak with you We need to clarify a few things with you and begin the process of you becoming debt free. We are going to need to give you a call. You do not have to accept this call and we will only ring if you click 'GIVE ME A CALL' below.

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Unfortunately, we are unable to help you at this time.

Please visit the Money Advice Service that provides free and impartial advice. Click here to find out more.

Examples of debts you will be able to write off We can help you under a number of debt circumstances

  • Credit Cards
  • Council Tax
  • HMRC Debt
  • Payday Loans
  • Overdrafts
  • Store Cards
  • Personal Loans
  • And much more
Get Debt Help

To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

Please note: entering into an IVA will impact your credit rating for six years, fees are payable if ongoing solutions are provided

Yes, We are committed to guiding and supporting you – You are not alone.

Whatever your financial circumstances we can help with multiple options. Getting the right information is very important when looking to regain control of your finances. 1000s of people struggle in the UK with debt & we understand that a small change in a persons circumstance can tip things over the edge very quickly.

The most important step when facing debt is to not ignore it & let it get totally out of control. We appreciate that money worries can cause increased stress and worry but we want you to know that we are here for and with you. Together we will find the best and right solution for you, giving you a light at the end of the tunnel and the prospects of a debt free future.

A quick chat with us will help us understand your needs. We can then put a solution in place that is best suited to you and start you on the path to becoming debt free.

Get Debt Help

Don't forget, you are not alone

Get Debt Help

Here's how an IVA solution could help you One of the options that we will assess you for is an IVA and this is how it could help you:

Example unsecured debts

  • Credit Card £12,521
  • Council Tax £2,852
  • Personal Loan £8,549
  • HMRC Debt £4,996
  • Store Card £2,775
  • Overdrafts £4,721
  • Debt level £40,288

Once on an IVA

  • Interest Rates Frozen
  • Debt level wiped out by up to 80%
  • One affordable monthly payment to creditors
  • Bailiffs or collection agents stopped
  • No more creditor harrassment
  • Expert advisors dedicated to helping your case
  • Start to get your life back on track
  • New debt level £9,599

*Debt level figures based on an actual customer who was recommended an IVA by our trusted provider. Alternative solutions may be offered. Lenders are not obliged to accept less than contractual payments. Fees payable if continuing services are provided. Fees are explained here.

Get Debt Help

To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

Please note: entering into an IVA will impact your credit rating for six years, fees are payable if ongoing solutions are provided

Frequently Asked Questions

As part of our free service, we’ll take a look at your financial situation, explain the available options, and advise whether an IVA could be suitable for you. If you decide you want to set up an IVA, we can put you in touch with our trusted provider. If you then want to use their services, we get a fee for introducing you, or for the preparatory work we complete, fees are payable if ongoing services are provided, read more here.

1 How does an IVA work?

By using our free online IVA checker, you can quickly find out if you’re eligible. Once you’ve been cleared, an expert adviser will be in touch to further understand your circumstances. From there, we’ll work out how much you’ll be able to pay on a monthly basis.

If it looks like a suitable solution for you, a proposal will be put together for your lenders. Most proposals are accepted, but it’s up to them if they wish to go ahead. Once it’s approved, it’s your legal requirement to meet the monthly repayments agreed in your IVA.

Once your IVA has ended, your remaining debt is written off. Do note, however, your expenditure is restricted on an IVA and if your IVA fails then bankruptcy could be a possibility.

2 Will my home be affected?

The great news is your property will be safe – mortgage or rental payments are taken into account during the IVA setup process. This ensures you have spare money to pay for your housing requirements.

In the final year of your IVA, you could also be cleared to release equity from your home. If this isn’t possible, then your IVA may continue for an extra 12 months.

3 Will people know I'm on an IVA?

Whilst we understand your concerns, there’s no reason for anybody to know you have an IVA - this includes your family members, friends, or employer. An IVA is a private agreement between yourself and your lenders.

Your details will be listed on the Individual Insolvency Register, however, which is a public record. To find this information, a person would have to search for your details, but these will be removed from the register three months after your IVA has been completed.

4 Will my lenders stop chasing me?

Once the IVA has been accepted, your lenders can’t chase you for repayments. If they do have any questions about your IVA, they’ll need to contact your insolvency practitioner.

5 Will an IVA affect my job?

It is unlikely an IVA will affect your employment. Despite this, there have been occasions where company rules have been created which state an employee should not have an IVA, or have ever had one. The most common examples of this are:

Roles involving finances, such as an accountant
Roles involving financial advice, such as a mortgage adviser

To find out more about whether your employment could be affected, please contact our team.

6 What debts can go into an IVA?

Various types of unsecured debt can be added to an IVA. Examples include:

  • Overdrafts
  • Credit and store cards
  • Personal loans
  • Council Tax arrears
  • Benefit arrears

Please note, an IVA can't be used to pay off secured debts, an example being a mortgage.

Get Debt Help

Don't forget, you are not alone

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