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Write off up to 80% of your debt

Freeze interests and charges

Stops creditors from contacting you

Get Debt Help Today

IVA or bankruptcy is the first thing to consider if you’re thinking about getting debt-free, to help you out we’ve weighed up the main pros and cons below:

Pros of an IVA:

  • You only must pay an agreed percentage of your debt back
  • You will be completely free of debt in a set period
  • Your insolvency practitioner will deal with your creditors for you
  • You will not have to sell your home
  • It’s affordable and the plan is tailored to you
  • Charges and interest on your debts will be frozen


  • Although the acceptance rate for an IVA is very high, your creditors must still agree on it
  • You will be on a tight budget whilst the debt is being repaid
  • It will affect your credit score but once it’s over, it allows you to rebuild it
  • You will be listed on the Individual Insolvency Service register

Bankruptcy Pros:

  • It is a very quick process, usually 3-6 months
  • You’re allowed to keep certain items such as your household goods, and you’ll also keep a realistic amount of money to live on
  • If you rent your home, you will not be forced to move

Bankruptcy Cons:

  • It costs around £700 to start the process
  • If you’re on a high income, you will be expected to continue to pay your debt for 3 years so you will not automatically be debt-free
  • You’ll find it difficult to get credit while you’re bankrupt and after the process is finished
  • Your credit rating will be negatively impacted for 6 years
  • You may be forced to sell your home and other possessions

Here’s what our clients say

Exceptional service, I wanted a simple form to fill out online and they provided with an IVA plan as the best solution. I would recommend this service to anyone looking for debt relief.



This company have thoroughly took a huge weight off my mind regarding my debt. If you are in a similar situation to myself please contact this company. They do not judge you and really do offer the best advice! A truly trustworthy and honest company. The advisors are just brilliant! The girl who has personally dealt with my case is just amazing.



Thanks to an easy form to fill out and with not too much information, it turned out an IVA is the best option for me. I now have peace of mind and one affordable payment each month. 



How does an IVA work?


Once accepted, you make one, affordable payment.


The payment is then distributed to your creditors.


On completion, all debt included is written off.

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