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“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.”Get debt help now
If you're struggling with unsecured debt over £7,000 and live in England, Wales or Northern Ireland, an IVA could help.
Typically lasting for five years, an IVA uses government legislation to consolidate unsecured debt repayments into one affordable monthly amount.
What's more, an IVA will also freeze all interest and charges, stop pressure to pay what you can't afford by debt collectors or bailiffs and write off up to 81% of unsecured debt.
At the end of the IVA any remaining debt included in the arrangement will be cleared. will be cleared.
See how an IVA could help you with this simple example to consolidate all unsecured debts into one smaller monthly payment and write off unaffordable debt.
Monthly payments are based on individual financial circumstancesExample case completed in 2023. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.
If you live in England, Wales or Northern Ireland, an IVA may be a suitable debt solution. An IVA will be provided by Creditfix and fees will apply.
If you live in Scotland, a Trust Deed or the Debt Arrangement Scheme may be a suitable debt solution. Trust Deeds and DAS will be provided by Carrington Dean Group Limited and fees will apply.
It’s important to be aware of the advantages of an IVA when considering the best debt solution for your circumstances, such as:
When you’re considering entering an IVA, it’s important to be aware of the following: