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Debt Consolidation Services

Debt Consolidation Services: The Way Out of your Debt (Without More Debt!)

Apply For The IVA or Debt Relief Plan For Your Own Circumstances

Independent Advice. No Bankruptcy. No loss of Dignity.

An IVA (Individual Voluntary Arrangement) is one of a number of debt consolidation services set up by the government to provide a solution to the problem of personal debt and deal with the growing issue of individual insolvency. Our clients are licenced to give advice on the basis of the fact that Individual voluntary arrangements are never one-size-fits-all quick fixes to any money problem, as individual circumstances can vary so much.

The needs of one household can vary greatly from the needs of another. Advice given by any debt consolidation services must thus reflect the distinctiveness of the situation in which people live.

Normally an IVA will run for 60 months (sometimes less) and when the term has finished all debt is discharged from a person's credit history.

An IVA writes off the bulk of a person's debt at the beginning of the plan (although be wary of the exaggerated claims made in some advertising: it is rarely more than 60 or 65% of total debt which can be cancelled). All good debt consolidations services will ensure that you get the best results with the lowest monthly repayment options together with the highest percentage of debt written off at the outset.

So complete the form for impartial and independent IVA advice which is right for your own situation.

If you have at least two accounts in debt, and total debts of £2,000 or more, use the form below to see if you qualify. (If you owe less than this, or are on state benefits, then use this link to apply.)


















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Please be aware that figures entered need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and inrelation to any specific circumstances that may relate to you. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.

Consumer Credit Licence number 633327.

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All governments attempt to do their best to help folk who are suffering from debt. There are government schemes like the various voluntary arrangements to assist in the methods of both corporate and personal insolvency and to relieve what has always been a highly difficult time, and debt consolidation services are an integral part of the solution. The outcome tends to be toward protecting possessions if at all possible and also in safeguarding the property of individuals using legal measures. This would apply to individual assets and also the assets of businesses on which the security of individuals depend.

A number of disciplines have grown up related to aspects of insolvent cases, including the legal sector as well as more recent professions like insolvency practitioners. All such experts have their own strengths. Each one will have a different area of knowledge and specialisation which you should make use of as appropriate. Making use of debt consolidation services will make the turnaround from insolvency much quicker.

Our economy is a highly complicated thing. Economic experts and scientists of many descriptions try to understand how the whole thing operates on an ongoing basis. It's like a vast computer. Arguably economics impinges upon political needs and these things are generally governed by the society that we have. This culture at the moment is underpinned by success ensuring usually means exposure to risk. As long as we have this insidious aspect of peril we also have to live with the ghastly spectre of debt, personal and corporate. Use of debt consolidation services is meant to offset this risk to a certain extent.

An IVA, which is one type of instrument which may be suitable from a wide range of debt consolidation services, will in general be written out by a qualified specialist insolvency practitioner and will be made specifically to cover the specific requirements of the client. There is no one-size-fits-all method to this because all situations are different to the next, while some are exceedingly different. The insolvency practitioner will then prepare the most advantageous programme according to the applicant's individual situation and ratify a programme of payments to a central fund and this is usually over five years, although in some situations this can differ.





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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.


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