• WRITE OFF A LARGE MAJORITY OF YOUR DEBT
  • A PAYMENT YOU CAN AFFORD
  • FREE ADVICE
  • DEBT STRESS GONE IN 24 HOURS
  • IVA
  • DEBT MANAGEMENT
  • CONSOLIDATE YOUR DEBTS
  • Get your life back on track TODAY
  • Tenants welcome

Individual Voluntary Arrangement (IVA)


With an IVA, instead of being forced to declare bankruptcy which can bring with it longer term effects many would like to avoid, we'll help you establish an arrangement with your creditors allowing you to pay back your debts over an extended period (as long as up to 72months.) By law once creditors agree to an IVA no interest or additional fees can be added.

As a binding legal agreement, an IVA provides a fixed framework where you can be afforded the assurance that those debts will not increase and you are provided with a specific period of time to pay back those creditors. As a confidential arrangement and IVA is known only to you, your creditors and your advisors and neither your home nor your job should be affected.

An IVA is paid in one monthly payment in an agreed upon sum that is based upon your level of debt but more importantly your abilities to pay that amount each month. Advisors will help create a sum that you will be able to manage as well as a time frame to get you out of debt in the shortest- but most manageable- time period possible.

An IVA can affect your credit rating throughout the life of the agreement and after it, additional fees may be added by the IVA broker, and all IVA’s are published and available in the public domain