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Get one monthly affordable payment


Stop interest and charges from soaring out of control


Lower your bills to one affordable monthly payment


End pressure from the people that you owe money to

This may not be suitable in all circumstances. Fees apply. Your credit rating may be affected.

You Could Potentially write off unsecured debt

Potentially freeze interest and charges

Some solutions will stop you being hassled and pressured

Money Helper is an important service set up by the government. They provided free debt counselling, debt adjustment and credit information. Money Helper is part of the Money & Pensions Service. We are not affiliated with Money Helper in any way


Answer a few quick questions

Use our easy online questionnaire to start your journey and see how we can help. Once complete a friendly member of our team will be in touch to discuss your situation.

Speak to a debt specialist

Book a telephone consultation today – You can speak to a specialist immediately. Alternatively, if you are not ready to talk to someone use our unique contact-free fact-find service.

Choose your plan

Once we’ve assessed your personal circumstances you are free to choose the best option for you. This is 100% confidential and with no obligation to choose any of the solutions we discuss.


We understand that our customers are individuals with unique circumstances and no two customers’ needs are identical. This is why we do not subscribe to a one size fits all approach that is common in debt-help organisations. Instead, we prefer to offer our bespoke service, and take the time to understand every customer’s unique circumstances in order to find the best solution for them.

IVA (Individual Voluntary Arrangement)


An individual voluntary arrangement (IVA) is a formal debt solution. Individual, meaning it is for individual people, or couples, including sole traders. Voluntary because you as the debtor is proposing a reduced repayment term to your creditors (the people you owe money to). The arrangement part refers to the legally binding agreement between you and your creditors to pay back your debts at a reduced amount over a period of time (typically 60 months). This means it’s approved by the court and your creditors have to stick to it.

Any creditors included in an IVA should stop:

  • charging interest on your debts
  • chasing you to pay your debts
  • not take any further legal action in relation to what you owe

While you’re in an IVA you must:

  • Make the agreed payments – this is usually a single monthly payment or a lump sum
  • Let your Insolvency Practitioner know if your circumstances change or you get any other money
  • Not take out any new credit without permission, for example loans

You can include any amount of debt in your IVA. Though practically the minimum amount of unsecured debt to make an IVA viable is typically at least £5,400. Our advisors can complete an assessment to provide you with the best advice based on your circumstances.

An IVA can affect your credit rating and will be registered on your credit file for 6 years Details of an IVA are registered on the Insolvency Register which is a public register Homeowners may need to release equity from the value of their homes to pay off debts, and that a remortgage may attract higher interest rates or, if no remortgage is available, an individual voluntary arrangement may be extended for 12 months If the IVA fails there is a risk of bankruptcy There are restrictions placed on the expenditure of a person who enters into an IV

The Debt Respite Scheme


Commonly referred to as the Breathing Space Scheme, the Debt Respite Scheme is designed to give people time to get debt help. It’s a government scheme that gives you a 60-day respite period from enforcement pressure.

During this time, interest and charges from creditors are frozen, although you will have to keep making your regular payments if you can afford to. There are certain criteria you need to meet to benefit from the Breathing Space scheme.



Bankruptcy is a legal process usually suitable for people who little hope of paying back their debts in a reasonable time and whose circumstances are unlikely to change. There is a statutory upfront fee of £680 (in England and Wales), that must be paid before you can submit your bankruptcy application, this can also be paid in instalments.. Any monthly contributions you make towards repaying your creditors will typically only last 36 months.

The bankruptcy period usually lasts 12 months. If you go bankrupt, most of your creditors won’t be able to contact you about your debts or take you to court.

Debt Management Plan


It is normally suitable for someone who is unable to meet their usual payments to their creditors. A DMP is arranged on your behalf by a third party which can either be a debt charity or a fee charging company. This means that you would make one payment to your DMP provider each month and they would distribute this fairly amongst your creditors on your behalf. If you chose to use a fee charging company, there will usually be set up fees and a monthly management fee which will normally be included within your monthly payment.

They did it, so can you!

We firmly believe we are exceptional at what we do but don’t take our word for it. Hear from some of the people, just like you, that we have helped.

Currently working with debts spiralling out of control. Separated from my partner and have no assets or money. Therefore my debts overtook my income.

I requested a call from these guys online and a guy called Andy rang about 2 minutes later. From start to finish he knew everything that needed to be done since I didn’t have a clue. He also let me know about all the other options that weren’t an IVA so I could decide for myself. He took his time to work through all my expenses and genuinely cared about my circumstances. The last few weeks have been the hardest of my life so far and having to talk about my money and get Andy to sort it was the easiest…

Stewart – IVA Help Customer


We deal with every major creditor in the UK on a daily basis. This working relationship helps us secure the very best outcomes for the people we help.

IVA Help Ltd is an appointed representative of Dee Valley Finance Limited, who is authorised and regulated by the Financial Conduct Authority. IVA Help Ltd FCA reg no: 987931.

To find out more about managing your money and to access free advice visit MoneyHelper.org.uk. Money Helper is an independent service set up to help people manage their money.

The Insolvency Service is a Government agency that provides services to those affected by financial distress or failure; See Guidance Publications.

More useful links:
R3 Guide to dealing with money worries

Insolvency practitioner code of ethics

Insolvency practitioner’s professional conduct

Statements of Insolvency Practice (SIPs)