I.V.A. AND DEBT MANAGEMENT

• MORE MONEY GOING OUT EACH MONTH THAN COMING IN?
• INTEREST BEING ADDED EACH MONTH, DEBTS GETTING BIGGER?
• ARGUMENTS WITH THE FAMILY?
• DREADING THE PHONE RING, THE POSTMAN, OR KNOCK ON THE DOOR?
• CAN’T SLEEP, WORRYING YOURSELF SICK, DON’T KNOW HOW TO GET HELP…..

THEN STOP!  HELP IS AT HAND, YOU ARE A PHONE CALL OR CLICK AWAY

Did you know the we can arrange to:

Write off up to 75% of your unsecured debts
Keep your home (this is not bankruptcy)
Interest and late payment charges frozen
Be debt free in 60 months
Repair your credit rating
Telephone calls and payment demands stopped
Legally binding agreement
Government approved scheme

An Individual Voluntary Arrangement - IVA is a formal agreement between you and your creditors where you will come to an arrangement with people you owe money to, to make reduced payments towards the total amount of your debt in order to pay off a percentage of what you owe then generally after 5 years your debt is classed as settled.  Due to its formal nature, an IVA has to be set up by a licensed professional called an Insolvency Practitioner.  

Purpose?
It is a legally binding agreement between you and your creditors (people you owe money to). It helps those in financial difficulties to make a formal proposal to settle their debt.

What Are The Arrangements?
Single monthly payments are based on an affordable disposable income. Once the final payment is made, any outstanding debt is legally written off. The arrangement can write off up to 75% of your debts (subject to your circumstances).

How does it work?
Debts are settled within a reasonable and fixed period of time (normally 5 years). Any interest and debt charges will be frozen and creditors will be prohibited from demanding additional payments.
Once a decision has been made that an Individual Voluntary Arrangement - IVA is right for you, you will be asked questions regarding your current financial situation.
Based on the information you have given, an affordable repayment amount will be agreed with you. Once proposals have been drawn up you will need to check and sign these and return them to your Insolvency Practitioner.

You are not alone, we will guide you every step of the way, including all paperwork
Do you qualify for an I.V.A  or another of our dept management  programs ??
No matter what size of debt, big or small it’s worth a call.

Phone or click for Enquiry Form or

Apply on line NOW