Why choose an IVA over bankruptcy?

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An IVA may or may not be the right option for you, however, in general, there are some significant benefits of and IVA as opposed to bankruptcy. To find out if you qualify, please give us a call on 0800 043 2332.

To see the benefits and drawbacks of an IVA, please visit our IVA Page.

Important Information About Our Service & Fees

Whilst we strive in all cases to negotiate the best deal with your creditors, we cannot guarantee a reduction in interest or charges. Also as one of the largest providers of debt management solutions in the UK, we are able to provide initial advice over the phone without charge, however, if a debt solution is taken out, please be aware that fees will be charged. We aim to keep these fees as low as possible and believe that we are very competitively priced. View more detailed information on our fees including examples for each product here.

Further Additional Information

The insolvency service has produced a guide for people who are struggling with debt, which outlines each of the available solutions.

If an IVA is not maintained it could lead to bankruptcy.

DEMSA membership

We are a member of DEMSA and subscribe to the DEMSA Code of Conduct.

DEMSA is an organisation founded to monitor and maintain high standards in the Debt Management industry. All members of DEMSA are bound by the terms of the Code of Conduct established by DEMSA.

We are part of the MoneyPlus Group, a founding member of the Debt Managers' Standards Association (DEMSA), and abide by their strict consumer code which is approved by the Office of Fair Trading. This means that you are guaranteed debt advice that is tailored to your individual circumstances, and will receive the highest standards of service within the debt management industry. Read more...