How it works


Check If You Qualify

Click on the IVA Checker, answer a few simple questions and we will let you know immediately if it looks like you may qualify.


Book Your Consultation

If you qualify, you will be contacted by an Insolvency specialist who will explain how it all works if further detail.


You Decide

Once we have advised you of your options, you decide what you want to do. Our advice is free, confidential and no obligation. Guaranteed.

IVA Checker

Excellent customer service
Make it easy to understand and very friendly and understanding
Feel like they truly understand and want to help you with excellent support

Really great advise. Easy to set up and deal with.

Jonathan Whittingham

everyone has been so helpful and if we had any worries we could phone them anytime.we didnt know who to turn to but after talking to them they gave us hope after a long scary dark time.thank you.

Helping thousands of people with debts


An individual voluntary arangment (IVA) is a popular solution that can write off up to 80% of debts with payments starting at just £70 per month. It will Freeze all interest and charge and give you a clear date when you'll be debt free

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Debt Management

Is a solution where a company negotiates with your creditors on your behalf, seeks to reduce monthly payments, freeze interest and maybe get you debt free sooner

Learn more

Other Solutions

Other solutions available include bankruptcy, trust deeds and debt relief orders. Your designated IP will asses you suitability for an IVA only, but will point you in the right direction if any other solutions may be more suitable

Learn more


In the case of an IVA or Debt Managment Plan, your lenders can agree to settle for less than you owe. The reason is because they know there is the very real chance that someone with financial problems may try to walk away from their debts, leaving them with nothing. From the lenders point of view something is better than nothing, they factor in this risk when they lend you the money.

We aim to completely eradicate lender contact by dealing with the heart of the issue. Once we have a solution in place for you there will be no reason for any more letters and phone calls resulting in a lot less stress!

Your consultation is free, no obligation and confidential. In instances such as bankruptcy there will be costs to take into consideration. Any fees will be clearly outline from the outset to help you make the right choice

Most of our debt solutions will allow you to keep your assets. However, there are some options which may require you to give up some or all of your assets like bankruptcy or debt relief orders. Your solutions advisor will help you find the option that’s right for you.

Non of our solutions will require you to pay anything more than you can comfortably afford, not what the lenders are demanding, which is often unrealistic. We understand your standard of living is more important that what pushy lenders are asking for. Our aim is getting you debt free in a reasonable time frame at a rate you can afford, this can include getting up to 80% of your debts written off.

There isn’t one! Getting out of debt doesn’t have to be a struggle or take the rest of your life. We use solutions including government introduced schemes to clear your debts in a reasonable time frame at a rate you can afford.

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