Possible Debt Solutions

What is an IVA? An IVA stands for Individual Voluntary Arrangement and is perhaps our most popular debt solution. Often chosen because of its ability to clear debts, it’s a legally binding agreement between your creditors to repay what you can realistically afford. At the end of the IVA, any remaining debts could be written off. On average, per client, we write off debts of around £13,500!

Debt Management Plan
What is a Debt Management Plan? Although we don't offer this solution, a debt management plan is another option which can be very popular. For unsecured, non-priority debts – such as credit cards, payday loans, and personal loans – it allows you to repay your creditors through an affordable, monthly payment. In some cases, it’s possible to freeze any interest rates and charges associated with the debt.

Trust Deed
What is a Trust Deed? Although we don't offer this solution,Trust deeds are also only available for Scottish residents and similar to an IVA. A formal agreement, it stops creditors from taking action against you, freezes interest rates and charges, and allows you to repay what you can realistically afford. Once the trust deed has been completed, any remaining debts are written off.

Other Debt Solutions
What other Debt Solutions are there? Although IVAs, DMPs and Trust Deeds are perhaps most common, there are alternatives. We can only help you with an IVA but we've detailed these here. Bankruptcy could write off your debts entirely while a debt relief order may be the best option if you have few assets. Alternatively, an administration order or the Debt Arrangement Scheme could help you deal with your debts. For a no-obligation chat about your circumstances, get in touch today.

Carlo's IVA Story

Carlo Owed  
Bank Loan £15,171.22
Credit Cards £5,888
Overdrafts £102.49
Utilities Arrears £713.81
Payday loans £1,131.94
Store cards
Total Owed £24,114.16
£876 before plan

Total contractual repayments

£160 after plan

Total contractual repayments Reduced by 78.14 %

Carlo's total debt written off was £18,841 over a period of 5 years

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