Debt Plans

Individual Voluntary Arrangement (IVA)

How an IVA helps you Up to 80% of your debt written offLower monthly repayments that suit your budgetNo more interest or charges to stop debt growth An Individual Voluntary Arrangement (IVA) is an agreement between you and your creditors. IVAs were designed...

Debt Management Plan (DMP)

What is a Debt Management Plan (DMP)? The DMP is designed to simplify your debt repayments, which in turn, can help you regain control of your finances. However, it’s not a legal agreement, like an IVA, so you or your creditors can withdraw from the plan at any...

Trust Deeds

Trust Deeds are only available in Scotland.*** Protected Trust Deed A Protected Trust Deed in Scotland is a legally binding arrangement between a person and their lenders, usually lasting for a duration of 4 years, although a longer period can be considered depending...

Debt Relief Order

What is a Debt Relief Order (DRO)? The DRO procedure was introduced in 2007 as a low-cost alternative to Bankruptcy for individuals who cannot pay their debts but who have otherwise straightforward finances. It is also known as ‘Little Bankruptcy’, as there are many...

Bankruptcy

What is Bankruptcy? Everyone’s heard about Bankruptcy. Bankruptcy is a legal procedure available if you’re unable to manage your debts. You can apply for Bankruptcy online, or alternatively one or more of your creditors (the people you owe money to) can apply to...

Debt Consolidation Loan

What is Debt Consolidation? One way to make problem debts more manageable is to use further credit, often in the form of a loan, to ‘consolidate’ your existing debts by using the borrowed money to pay off the existing debt. If you have a property with equity you may...
Bankruptcy

Bankruptcy

What is Bankruptcy? Everyone’s heard about Bankruptcy. Bankruptcy is a legal...

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Trust Deeds

Trust Deeds

Trust Deeds are only available in Scotland.*** Protected Trust Deed A Protected Trust...

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Write up to 85% of your debt off*