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Stop Bailiff Action Today

Check if government legislation could help write off your debts now

  • No Credit Checks Or Setup Fees
  • Write Off Up To 70% Of Your Unsecured Debts
  • Licensed Government Backed Debt Solution

How IVAs Work

What is an Individual Voluntary Arrangement ( IVA )

An IVA is also known as an Individual Voluntary Arrangement. IVAs were first introduced in 1986 by the UK government to help people struggling with debt problems. They are designed to make repayments more manageable and affordable. These schemes must be set up by a registered Insolvency Practitioner (IP) who will split your payments between your creditors. These are legally binding agreements in which you pay back all or part of your debts.

The arrangement is put together to prevent any additional interest and charges being added your existing debt (creditors can't change their mind!) These will normally last 60 months, and during this period you will be expected to make one affordable payment each month towards your debt. At the end of 5 years* and any debt that remains will be legally written off.

With no set up fees involved!


Just think, no more:

  • Nasty phoncalls from creditors
  • Borrowing money from friends and family
  • Doing budgets for food shopping
  • Payday loans you have to keep rolling over
  • Dreading bills because you know you can’t pay
  • Running out of money within days of being paid
  • Having your cards declined at the till
  • Paying hefty charges for being a few pence overdrawn.
  • Pretending everything is ok when it’s not!