Is it right for me?

If you are unable to or do not want to borrow any more money and you cannot afford your contractual repayments on your unsecured debts, an IVA may be right for you if you owe over £12,000 on unsecured debts.

An IVA is a government approved scheme that assists people in larger amount of debt, to repay these monies in a realistic time-scale and can reduce your current monthly payments to a more affordable amount.

We believe in being open and honest with people before entering into an IVA as this arrangement may effect your credit rating. However, it is important to remember if you have missed payments or missing payments is looking more and more likely your credit rating will be affected.

An IVA is an alternative way to clear your debt problem without getting deeper into debt. It will help you regain control of your finances and will give you the light at the end of the tunnel, when you can look forward to being completely debt free.

Call and speak to one of our fully trained advisers in complete confidence to see if this is the right solution for you.