Do you owe more than £2,000? We could help reduce your debts by up to 70%!

Apply for Debt Management Any UK resident with two or more creditors and over £2000 of unsecured debt can apply. If you apply for a Debt Management Plan, our advisers will guide you through the process by telephone, giving you professional advice on whether Debt Management is the right course of action for you. Apply for an IVA or Trust Deed If you live in England or Wales and are unable to pay your debts, you may apply for an IVA, Scottish residents must apply for a Trust Deed. In general IVAs and Trust Deeds are awarded to Individuals that have over £15,000 of debt and two or more creditors. If you are already subject to a Bankruptcy Order you may still apply. If the arrangement is approved, your Bankruptcy is annulled. Break FREE from your Debts Our debt help partners can provide a solution to your debt problem allowing you to take back control of your finances without taking on another loan. Take back control of your life today. Become debt-free with our help! The way it works: Fill out quick and simple FREE application. Talk to our debt help partners. Start managing your debt - quickly and easily. The entire process is as fast and easy as 1-2-3! Apply today. Some of the benefits: Protect your family Keep your home No more embarrassing phone calls Freeze interest and charges Protection from your creditors No more credit or loans No more threatening letters "Apply today, before your debts become unbearable; and it may be too late for you. It is your right to live debt-free."

Debt Help - Apply now: Forename Surname Address line 1 Address line 2 Town County Postcode Email address Home/work phone Mobile Phone Best time to contact Please Select 08:00 09:00 10:00 11:00 12:00 13:00 14:00 15:00 16:00 17:00 18:00 19:00 20:00 21:00 22:00 Monthly Net Income Monthly Expenses 1 Nature Of Income Please SelectEmployedSelf EmployedPension OnlyState Benefits Only Number of Creditors Please Select2345678910 or more Total Amount Owed 2 Homeowner Status Please SelectHomeownerTenantLiving w/ Friends or Relatives 1 Your monthly living costs excluding unsecured debt repayments 2 Excluding mortgages/secured loans

IVA - Individual Voluntary Arrangement

The government introduced an important piece of registration in 1986 - IVA or Individual Voluntary Arrangement. It allows you to avoid the trauma and stigma of bankruptcy and it suits many people who owe more than £15,000 and if they are in regular employment or have a monthly income.

An IVA is a legally binding agreement that protects you against any further action from people who are chasing you for money. Once in an IVA you could realistically be debt free in sixty months.

With an IVA arrangement you agree with your creditors that you will only pay what you can afford. That means a single payment each month over the five year period. Your creditors agree to write off the debt you cannot afford to repay and leave you alone. It is as easy as 1-2-3 to be debt free

An IVA could be the best way of avoiding bankruptcy

If you face the possibility of bankruptcy because of your debt problem, sometimes bankruptcy is not your only option. An Individual Voluntary Arrangement could be a better alternative. While a Debt Management plan can sometimes be an option as well, it is not legally binding and your creditors can later change their minds if they wish to. That does not apply to an IVA. Request a callback from us for unbiased debt advice you can really trust.

Alternate ways to clear debts

Debt Management Plan can be a solution to your debt problem. Depending on your individual situation, Debt Management can be an excellent solution to your debts. Nonetheless, an IVA (Individual Voluntary Arrangement) or any other debt solutions may be more relevant and of more help to your circumstances, so it it may be worth to fill our quick and easy form and let us find a solution that best suits you. It is totally free and with no obligation.