Start to live a debt free life with an IVA

    • Lower your monthly payments
    • Freeze all interests and charges
    • Up to 85% of your debt written off

      – On average our customers have 60% of their debts written off

Start to live a debt free life with an IVA

    • Lower your monthly payments
    • Freeze all interests and charges
    • Up to 85% of your debt written off

      – On average our customers have 60% of their debts written off

Reduce your burden of debt with an IVA

An individual voluntary arrangement is a formal agreement with your creditors.  That means it is legally binding. You pay only what you can afford after reasonable monthly living expenses. After a period of five to six years, most of your remaining debts will be written off.

Once an individual voluntary arrangement is set up, unsecured creditors can’t add contractual interest or charges to any outstanding debt. This means that if you keep up your monthly payments and comply with all other terms of the IVA you can write off any outstanding debt at the end of the IVA term.

If you live in England, Wales or Northern Ireland and would like to find out more about what your options are and if you qualify for an IVA then fill out the form above and one of our advisors will get in touch or give one of our advisors a call on 0203-884-2726 and we will be happy to discuss your options with you to find out the best solution for you.

5 Steps to recover from debt


1. Contact & Review

When you fill out the form and get in touch with us, we will discuss your circumstances and review your situation and debt level.


2. Help & Advice

After we review your financial situation, we will then let you know if we think your best option is an IVA. If you are happy to go ahead with this, we will then draft a proposal for your Individual Voluntary Arrangement and send to you for review.

3. Approval

If you are happy with your IVA draft proposal, we will then send it off to your creditors and if the majority of them agree to your proposal, it becomes approved and we can begin your IVA journey.

4. IVA Journey

When your proposal is approved, we will set up your monthly payments and have a chat with you about what happens next. We will give you an annual review at the end of every year in your IVA to make sure that you are still happy with your plan and coping with your payments.

5. Completion

When you successfully make all of your planned payments, we will contact your creditors to get their confirmation that they are writing off the remainder of your debt and then we will issue your Certificate of Completion. Congratulations you are now debt free!

Debt We Can Help With

Most debt can be included in an IVA

Credit Card

Unsecured Personal Loans

Payday and Doorstep Loans


CCJ Debts

Catalogue Debts

Council Tax Arrears

Gas, electric and water arrears

Our Satisfied Clients

“Mr Wright represents our largest write off we have achieved . We managed to write off £105,000, which represents 94% saving for our client, because he trusted us to help him. Before he contacted us he was crippled with a monthly payment of £2,300 a month and by the time we helped him he was paying only £112 over 60 months”

Mr Wright

“Mrs Amos contacted us because he could no longer afford the repayments he was making and they were an amazing £1,500 a month on a £59,000 pounds debt. Mrs Amos owed this debt to several banks and credit card companies, we helped to reduce her monthly payments down to £350 and wrote off £38,000.”

Mrs Amos

“Mrs Nawaz was struggling with payments of £312 to four different lender, with combined debt level of £16,400. She contacted us after she realised that her balances weren’t coming down and all she was doing was servicing the interest. We combined all her payments and she was able to write off 56% of her debt level.”

Mrs Nawaz

Call Us Today!

Tel: 0203 884 2726

Working Hours

Mon to Sat - 9 AM to 5 PM

Customers can get free debt counselling, debt adjusting and providing of credit information services from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service click here

Free and impartial money advice, set up by government – Money Advice Service

“IVA centre specialises in providing Individual Voluntary Arrangement (“IVA”) solutions to individuals based in England, Wales and Northern Ireland. We do not administer or provide advice solely relating to Debt Management Plans. We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for an IVA, therefore, all advice is given in reasonable contemplation of an insolvency appointment.”