Is it time for you to start talking about debt?

If you’re worrying about money, talk to us. We can help you find the right solution.

How much debt do you owe?

£20,000
£1,000
£40,000

Representative example based on typical average. Actual write off amount will vary from case to case.

Fixed monthly payments

£110/month
Total debt repayable
£6,600
Write off percentage
81%
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We've helped over

5 million people

Since 1993

Our clients repaid

£4 billion

With our assistance

Our advice is

100% free

And totally impartial

We've received over

10,000

4-star Feefo ratings

IVA Plan is a service dedicated to offering help and advice when it comes to debt. Here’s how we can help you.

Help when you need it

You can get free, confidential and expert debt advice online or over the phone.

Solutions specific to you

We’ll recommend the best debt solutions for your individual circumstances.

Ongoing support

We’ll support you while you deal with your debt problems, for as long as you need.

“When I spoke to the advisor on the phone, I was stressed, but she made me feel a lot better and I didn’t feel judged, which made a huge difference. I’m now paying my debts back in an affordable way via an IVA, and have about four years until I’ll be debt free.”

- Martin, Stockport

Get debt help now

Here's the latest articles our team have written to give you tips and advice.

 

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We offer the widest range of debt solutions, to help you no matter what you’re dealing with.

Administration Order

A debt solution for people who have at least one County Court or High Court judgement against them which they can’t pay in full.

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Bankruptcy

A legally binding debt solution considered a last resort for those unable to repay their debts in a reasonable time.

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Debt Arrangement Schemes

A statutory debt management scheme in Scotland which freezes interest, fees and charges over an extended period.

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Debt Consolidation Loans

This is a loan from one provider taken out with the intention of paying off all debts and having just one monthly payment remaining.

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Debt Management Plans

This is an informal debt solution which offers someone struggling with unsecured debt to reduce their monthly repayments.

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Debt Relief Orders

A form of insolvency that pauses repayments on qualifying debt, offering relief from payments for up to 12 months.

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Debt Settlement Offers

A way to pay off all debts using one large lump sum, typically following a financial windfall.

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IVAs

An Individual Voluntary Arrangement allows the chance to write off up to 75% of debts you can’t afford.

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Sequestration

This is the Scottish legal term for bankruptcy, an option which allows someone to write off 100% of their debts.

Find out more