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Debt Help


People in the UK owed £1,681 billion at the end of July 2020. This is up by £28.4 billion from £1,652 billion at the end of July 2019, an extra £539 per UK adult over the year. The average total debt per household, including mortgages, was £60,403.

* Source: The Money Charity*



If you have more than £5,500 of debt an IVA, or Individual Voluntary Arrangement, may be the right option for you. It’s an alternative to bankruptcy that could write off up to 65% of your debts; taking a huge weight off your shoulders and putting you back in control.

How long does an IVA last?

An IVA usually lasts five years, but sometimes an IVA is extended for another 12 months to allow you to make the agreed payments. If you're able to make a lump sum payment, your IVA can end sooner.

How much does an IVA cost?

An IVA comes at a standard cost, but you won’t pay any upfront fees. You’ll simply make one monthly payment, which could be as low as £100. Also, because we believe that you should be free to enjoy your life whilst you are in an IVA, we'll make sure that your monthly payment does not leave you short of cash. When you speak to us we will go through your income and expenditure to ensure we properly understand you and your financial needs as each case is different. Taking into consideration all your outgoings from your food bill, utility bills and even the running cost of your car, we will assist you to get your finances back on track and soon you'll begin to start like YOU again. 

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