If you are unable to make the required monthly repayments for your unsecured debts, arrears are mounting up and you feel like your debts are spiralling out of control, an IVA (Individual Voluntary Arrangement) could be the best solution to your debt problems.
Personal debt problems are affecting more and more people across the UK every day. When you're having difficulty making your monthly repayments it can feel like you're the only one in this situation and you might feel embarrassed talking to someone about your problems. Unfortunately there are thousands of people across the UK in exactly the same position as you.
Before you take any steps towards tackling your debt problems, it is important to get impartial advice to make sure you know what options are available to you and what the best solution will be. We know that problems can start through no fault of your own, often because of redundancy, illness, divorce or separation. Our advisers are friendly, approachable, knowledgeable and will not judge you. You will be surprised just how much better you feel after talking to us about finding a solution to your debt problems.
The key word in the term IVA is "Individual". Your debt adviser will look at your individual circumstances and work with you to find the best solution. They will take the time to explain everything to you and make sure you understand how all the different options available would solve your debt problems.
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