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Check if you qualify for an IVA

Write off up to 83% of your unaffordable debt

We've helped thousands consolidate debt into one affordable monthly payment with an IVA.

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What is your total debt amount?

Include HMRC, utility bills, rent and council tax arrears, benefit overpayments, parking tickets as well as loans, credit cards, store cards and catalogues

Safe & secure100% confidentialNo obligation

Money Saving Advisers

We are here to help you become debt free

As one of the UK's leading IVA debt help services, we aim to provide practical and ethical debt guidance to everyone who needs it.

We listen

When you're in debt, talking about it can be hard. Our team will take the time to listen to your concerns.

We understand

We've dealt with thousands of circumstances and know the importance of receiving the right support.

We resolve

Once you're ready, we'll talk you through the IVA process and help make those important next steps.

We support

From your first call to becoming debt-free, we're with you every step of the way.

Debt Example

Here's an example of how we can help

An IVA consolidates your debts into one affordable monthly payment, and after completion, any remaining debt is written off.

Total Debts Owed

Bank Loan£13,573.77

Credit Cards£5,753.00

Overdrafts£1,135.57

Utilities Arrears£735.73

Payday Loan£1,311.58

Store Cards£976.32

Total amount owed£23,485.97

Monthly payments

£875

per month

After an IVA

Before

£875

per month

After

£162

per month

Tara Dugdale★★★★★Verified Customer

83%

Debt written off

£713

Saved per month

Monthly payments are based on individual circumstances and may vary. An IVA typically lasts 5–6 years.

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IVA Information

Benefits & Features

Real Stories

People Just Like You

£18,000 written off

“I was drowning in over £25,000 of debt. The team made everything so simple and now I only pay what I can actually afford each month.”

Sarah T. · Manchester

£32,000 written off

“I was terrified of losing my home. They reassured me throughout the whole process. My IVA protected my house and I'm now on track to be debt-free.”

James R. · Birmingham

£14,500 written off

“After years of juggling credit cards and loans, I finally feel in control. One payment, no more threatening letters. I wish I'd done this sooner.”

Lisa M. · Leeds

Why Choose an IVA

Take Back Control of Your Finances

One Affordable Payment

Replace multiple payments with a single, manageable monthly amount based on what you can afford.

Freeze Interest & Charges

Once your IVA is in place, creditors must freeze all interest, fees and charges on your debts.

Legal Protection

Your creditors are legally bound by the IVA and cannot contact you or take further action.

Write Off Remaining Debt

At the end of your IVA, any outstanding debt included in the agreement is legally written off.

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Expert Advice

Money Saving Top Tips

Could an IVA be right for you?

Answer a few questions to get your eligibility checked. It's free and there's no obligation.

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Prefer to arrange a call?

Speak to an expert about your situation, its completely confidential and without any obligation.

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Ready to Take the First Step?

Join thousands who have taken control of their finances.
Your free, confidential eligibility check has no obligation.

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We only provide advice on IVA's. To find out more about managing your money, other debt solutions and getting free advice, visit Money Helper, an independent service set up by HM Government to help people manage their money.