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Debt Consolidation Solutions

Debt Consolidation Solutions: 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 is one of a number of debt consolidation solutions set up by H. M. Government to try to eliminate personal debt and to deal generally with the issue of individual insolvency.

Generally an Individual Voluntary Arrangement will be set to run for sixty months and when the term is over all the debts are discharged from a person's credit history. The IVA has all the advantages of bankruptcy and none of the drawbacks of other debt consolidation solutions.

An IVA writes off the bulk of your debt at the beginning of the programme (although be wary of the exaggerated claims made in some advertising: it is rarely more than 60 or 65% of unsecured debt which may be 'written off' in this way). All good IVA advice of this sort will make sure you get the best results with the lowest repayment options together with the greatest percentage of debt written off at the outset. Other debt consolidation solutions such as conventional debt management plans do not offer such an attractive proposition.

So fill in the application form below for independent and impartial advice which is right for your own personal circumstances.

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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Our economy is an extremely complicated thing. Economic experts and specialists of all descriptions are trying to figure out how the whole thing operates every day of the week. It resembles a massive machine. At the end of the day economics has an effect on social and political imperatives and these are chiefly regulated by the kind of society in which we live. Our society at present is calibrated towards the need for success ensuring that often means risk. For as long as we have this risk we have also to live with the ghastly spectre of financial ruin, personal and corporate. Using debt consolidation solutions is designed to alleviate this to a certain extent.

A number of disciplines have developed surrounding aspects of insolvency, and these encompass the legal sector and more recent professions including but not limited to consultants. All these experts should be used to their best effect. Each one will have a different area of knowledge and specialisation which you should benefit from as appropriate. Making use of debt consolidation solutions will make recovery from debt much quicker and easier.

In order to qualify for debt consolidation solutions such as an IVA, the applicant has to be able to demonstrate an income which is in excess of a certain minimum and have debts with a total value of not less than a specified amount and no greater than a certain sum, and such figures will alter from one insolvency firm to another. Usually income should be proved to cover the cost of the calculated repayments after other bills have been paid such as the mortgage and council tax and utility bills. The average minimum debt is around 2,000 though this can vary. A maximum threshold of 50,000 is sometimes imposed, although by going through a third party the applicant will be directed to appropriate source of help to look after their own particular situation.

All governments attempt to give some help to people who are suffering from insolvency in one way or another. There are recognised initiatives like The diverse individual and corporate voluntary arrangements to take care of the methods of both corporate and personal debt relief and to ease what is always a highly difficult procedure, and clearly debt consolidation solutions are an integral part of the solution. The object of this tends to be towards protecting personal assets if at all possible and in safeguarding the property of individuals by legal means. This would apply to private assets and the wealth of businesses.




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


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