IVA Specialists, get specialist advice at Debt Home




We can help you consolidate your existing debt into one manageable amount to pay each month.

IVA SpecialistsTransform your life with an IVA. Debt is a common problem in the UK today and when you find yourself in serious debt you need specialist help.

although IVAs are a less drastic alternative to declaring yourself bankrupt, entering into an IVA is a serious decision and you need to take professional advice before committing to such a debt solution.

IVAs originated from legislation introduced by the Government to give a practical alternative to bankruptcy. If your application for an IVA is approved by your creditors, then you are only obliged to make payments you can realistically afford for a set period. Upon completion of the agreed period your remaining debt is legally written off.



Other Debt related Questions :

help needed about bankruptcy...... a couple recently seperated (united kingdom )?

the female on iva allready.the male no problem with credit.they have a mortgage between them of 100 thousand,they recently seperated.the female is still in the house and not paying her bit of mortgage,there are rumours that she is going to declare her self bankrupt.where does the male stand on this ,what happens if she declares bankruptcy .who
help needed about bankruptcy...... a couple recently seperated (united kingdom )?

can anyone tell me a bit about bancrupcy?

hi.. just wondering if anyone an help. My boyfriend has just moved in with me and i have just discovered he has debt coming out his ears... i own my own home and have done for several years but my boyfriend doesn't have a penny except for his monthly wage... He isn't after an easy ride he is going to split everything with me, but when
can anyone tell me a bit about bancrupcy?

40K in debt. Am I better off with a debt management plan or a trust deed (Scotland)?

I am £40,000 in debt through unemployment, illness and having been tempted by easy offers of credit in the past.Working now and struggling to keep up with all the payments. Not a homeowner. Contacted a debt charity about a DMP and they have drawn up a plan based on a salary I no longer earn, and won't believe me when I say I'm not on
40K in debt. Am I better off with a debt management plan or a trust deed (Scotland)?

UK> Can creditors contact/harass me at work?

I'm having trouble with a loan company and I'm taking Legal Advice at the mo, probably looking into an IVA. Meanwhile the company started calling me at work whenever I don't pick up my phone. Whoever takes the call transfers them through to me. I find this tactic really disgusting. Can I stop them from embarrass me at
UK> Can creditors contact/harass me at work?

Bit of a sticky one...sister in debt?

OK, so, my sister got into a lot of debt and went onto an IVA to resolve it. I was the only person she told because i had had debt probs which i sorted and she wanted advice. She still lives with my mum and after she's paid housekeep/car/IVA etc she has less than £100 a month to herself. She logged into her emails on my home pc and
Bit of a sticky one...sister in debt?

How will bankrupcy affect my partner?

My partner owes a lot of money in tax, he has tried to apply for an IVA but they dealt with him for a few months then told him they couldn't help him any more becuse it was too much money that he owed. He then went to Citizens Advice and they advised him to declare himself bankrupt. We live in Scotland so the rules are slightly different to
How will bankrupcy affect my partner?

Please could someone give me advice on a letter i had from debt free direct?

I have been laid off work and haven't been able to pay my monthly payments to pay off my debts, which ive gone through an IVA,, The company who im with helping me pay these debts got in contact with my creditors and told them i couldn't afford to pay them, only 10 pound a month is manageable, and they could put me through bankruptcy. I
Please could someone give me advice on a letter i had from debt free direct?

Could i have some advice on a letter from my iva please.?

I have been laid off work and haven't been able to pay my monthly payments to pay off my debts, which ive gone through an IVA,, The company who im with helping me pay these debts got in contact with my creditors and told them i couldn't afford to pay them, only 10 pound a month is manageable, and they could put me through bankruptcy. I
Could i have some advice on a letter from my iva please.?

I really need some honest advice from people who are in an IVA?

i am in heavy debt and from what i read iva may be possible could anyone who is going through this at the moment could give me some honest advice please for the UK only
I really need some honest advice from people who are in an IVA?

Hi. I need advice about bankruptcy please?

Hi. Years back when me and my wife were together we bought a house, and got a loan out as well to go on holiday, treat the kids ETC. But soon after she left, she left me with the kids a house to pay, plus bills ETC. so i had to get a loan out to pay for my kids school trips, clothes ETC. Now my kids are grown up, Ive recently been made redundant,
Hi. I need advice about bankruptcy please?

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Last Updated on: 2. July, 2009 Developed by Milldo