Fed up with debt?
We can help bring the smiles back.
Learn how an IVA could help you write off the debts you can't afford and make a fresh financial start.
- ✓ Write off the debts you cannot afford
- ✓ One affordable monthly payment
- ✓ Freeze interest & stop creditor contact
Checking your options won't affect your credit score. All options are clearly explained and our advice on your options is always free. Free, independent guidance is also available at MoneyHelper.
Not just another debt company
We've been helping people in financial difficulty since 2004. As a family-run business, our aim is to treat every client fairly — with the reassurance that comes from dealing with a reputable, established company.
We help
We take the time to understand your situation and explain every option clearly.
We listen
Talking about debt is hard. Our team offers a sympathetic ear, free of judgment.
We understand
We operate a transparency policy, so you know exactly who you're dealing with.
We resolve
When you're ready, we'll guide you through the right solution, step by step.
Four debt solutions that could help you out of debt
Learn more about the UK debt solutions below, or speak to us for guidance on an IVA which could write off the debts you cannot afford.
IVA
An Individual Voluntary Arrangement is a legally binding agreement with your creditors, supervised by a licensed Insolvency Practitioner. Make reduced payments — usually over 5 to 6 years — after which the qualifying debts included in your arrangement can be written off. Some debts, such as secured loans, can't be included and would still need to be paid.
Learn more →Debt Management
Manage your unsecured debts into one affordable monthly payment. We negotiate with your creditors on your behalf to reduce payments to a manageable level, and handle all communication for you. An informal arrangement with no contract tying you in.
Learn more →Bankruptcy
A long-established solution for serious debt problems. Most, if not all, of your unsecured debts are written off, and bill collectors must stop contacting you. Usually you're discharged within 12 months. We'll discuss whether it's right for you.
Learn more →Debt Relief Order (DRO)
A possible route for non-homeowners with little spare income and few assets. If you qualify, your creditors can't recover their money without the court's permission, and you're usually freed from your debts after 12 months.
Learn more →We're committed to helping you take back control
Three simple steps. The first one is the hardest — but you're in the right place.
Get in touch
Talking with one of our friendly assessors helps get the ball rolling — with no judgment and no pressure.
Enquire hereExplore your options
Tell us about your situation and we'll let you know which debt solutions could be a fit for your circumstances.
Let's talkTake action
We carry out a suitability assessment, and if you qualify we'll help put your application together — at your pace.
Get startedLet's see if you qualify
If the following sounds like you, an IVA could be a solution worth exploring. There are other factors we'll assess, such as your property status and income.
- ✓ You have unsecured debts greater than £7,000
- ✓ You owe money to two or more creditors
- ✓ You can afford to pay at least £100 per month
A typical IVA term, after which qualifying debt you can't afford is written off.
Check if you qualifyNo upfront fees · Won't affect your credit score to check
Latest from our guides
Clear, jargon-free articles to help you understand your options before you decide anything.
How to Apply for an IVA
How to apply, who qualifies, how an IVA works and what to expect — with free, no-obligation advice.
Read guide →IVA vs Debt Management Plan: Which Is Best?
Formal vs informal, length, creditor protection, fees and credit impact — compared side by side.
Read guide →Is an IVA Better Than Bankruptcy?
How each affects your home, assets, credit rating and timescale — and which may suit you.
Read guide →Your questions, answered
What is an IVA? +
An IVA (Individual Voluntary Arrangement) is a legal process that lets you avoid bankruptcy by agreeing with your creditors to repay your debts over a set period — usually 5 or 6 years. It's set up and managed by a licensed Insolvency Practitioner. Interest and charges are frozen, creditors are barred from contacting you directly, and any leftover qualifying debt is written off at the end.
Am I eligible for an IVA? +
Generally you may qualify if you have over £7,000 of unsecured debt, owe money to two or more creditors, and can afford at least £100 each month towards your debts. Other factors — such as your property status and income — are also assessed. The best way to find out is to get in touch and we'll talk it through.
Are there any upfront fees? +
There are no upfront fees. Fees only apply if your IVA is approved, and they are incorporated into your monthly payment. All fees are explained to you in full before you enter into any agreement. Our advice on your options is always free, and we'll notify you if a solution you choose has a fee associated with it.
Will an IVA affect my credit rating? +
An IVA is more than likely to affect your credit rating. That said, if you're already struggling with repayments, your credit rating is likely to be affected already. We're happy to talk through how an IVA might affect you before you make any decision.
What if an IVA isn't right for me? +
We'll discuss all the possible options so you can make an informed decision. If an IVA isn't suitable, we may refer you to one of our trusted partners who specialise in alternative solutions such as Debt Management, a DRO or Bankruptcy.
Debt guides & advice
Everything in one place, grouped by topic. Each guide links to the right debt solution so you can take the next step when you're ready.
Understanding IVAs
Comparing your options
Bankruptcy & wider debt help
Let's talk.
Move forward with life.
Reaching out is the hardest step — and the most important one. Send us a few details and a member of our team will be in touch. Everything you share is private and confidential.
Move forward with life
Facing your debt is the first step towards leaving it behind. A simple enquiry gets the ball rolling — with no judgment and no obligation.
See if you qualify