An Individual Voluntary Arrangement or ‘IVA’ – means:

You get the creditors off your back.

Interest is frozen on your debts.

You repay what you can really afford over 60 months.

All fees and costs are built in to the plan – you don’t get a bill for setting up or running the IVA – it comes out of the money that goes to your creditors.

After five years you stop making payments.

You walk away debt free with a clear conscience – you’ve paid what you could afford.

Your creditors get paid what you can afford to p

As a Debt Adviser, I hear this sentence every single day:

“I’m getting in trouble with my debt. I’m struggling to make my repayments.”

Loans can be great, easy to come by, and let us get what we need right now. There’s nothing wrong with taking a loan. The great British public owe more than one trillion pounds in loans .

But it’s easy to borrow too much. Or those low repayments start to ramp up with fees and charges you didn’t spot.

Ask yourself – Does it make sense to try and borrow your way out of debt or is it a contradiction in terms?

To Consolidate or Not To Consolidate, That Is The Question

You might have a few loans at different rates. One more loan may be the right thing for you. It might put all the payments in one place, break the cycle of borrowing and buy you time to get back in control of your life.

But are you just buying more time? Deferring the day of reckoning?

We see clients who have got themselves into financial difficulties every day. We help people like you who are struggling to deal with credit problems. The worst cases are people who try to get themselves out of their problems by borrowing more – loans or credit cards.

They then spend the loan or max out on the card to meet the minimum payments on the other loans they have ... then they have to do it again the next month ... and eventually run out of credit.

Doing the Right Thing?

They think they’re doing the right thing. But even clearing off the minimum payments doesn’t pay down what you owe – it just clears some of the interest. The debt gets bigger. The interest keeps on being added.

They come to us with a bigger problem than they should have. The bigger the problem, the less sympathetic the creditors will be.

Look Out For The Warning Signs

If you’re taking credit look for the warning signs:

Are you taking credit to pay off other loans?

Are you taking credit to buy everyday essentials?

Are you taking credit to draw out cash to live on?

Are you falling behind on even the minimum repayments?

Are the credit companies chasing you at home or at work?

Are they threatening you with bailiffs or the court?

If you’re thinking ‘yes’ then you may have a problem.

There Is An Alternative That Will Get You Into…. ‘The Driving Seat’

You need to get into the driving seat with your debt. Don’t let debt drive you to distraction.

An Individual Voluntary Arrangement or ‘IVA’ – means:

You get the creditors off your back.

Interest is frozen on your debts.

You repay what you can really afford over 60 months.

All fees and costs are built in to the plan – you don’t get a bill for setting up or running the IVA – it comes out of the money that goes to your creditors.

After five years you stop making payments.

You walk away debt free with a clear conscience – you’ve paid what you could afford.

Your creditors get paid what you can afford to pa

To Consolidate or Not To Consolidate, That Is The Question

You might have a few loans at different rates. One more loan may be the right thing for you. It might put all the payments in one place, break the cycle of borrowing and buy you time to get back in control of your life.

But are you just buying more time? Deferring the day of reckoning?

We see clients who have got themselves into financial difficulties every day. We help people like you who are struggling to deal with credit problems. The worst cases are people who try to get themselves out of their problems by borrowing more – loans or credit cards.

They then spend the loan or max out on the card to meet the minimum payments on the other loans they have ... then they have to do it again the next month ... and eventually run out of credit.

Doing the Right Thing?

They think they’re doing the right thing. But even clearing off the minimum payments doesn’t pay down what you owe – it just clears some of the interest. The debt gets bigger. The interest keeps on being added.

They come to us with a bigger problem than they should have. The bigger the problem, the less sympathetic the creditors will be.

Look Out For The Warning Signs

If you’re taking credit look for the warning signs:

Are you taking credit to pay off other loans?

Are you taking credit to buy everyday essentials?

Are you taking credit to draw out cash to live on?

Are you falling behind on even the minimum repayments?

Are the credit companies chasing you at home or at work?

Are they threatening you with bailiffs or the court?

If you’re thinking ‘yes’ then you may have a problem.

There Is An Alternative That Will Get You Into…. ‘The Driving Seat’

You need to get into the driving seat with your debt. Don’t let debt drive you to distraction.

An Individual Voluntary Arrangement or ‘IVA’ – means:

You get the creditors off your back.

Interest is frozen on your debts.

You repay what you can really afford over 60 months.

All fees and costs are built in to the plan – you don’t get a bill for setting up or running the IVA – it comes out of the money that goes to your creditors.

After five years you stop making payments.

You walk away debt free with a clear conscience – you’ve paid what you could afford.

Your creditors get paid what you can afford to p

They then spend the loan or max out on the card to meet the minimum payments on the other loans they have ... then they have to do it again the next month ... and eventually run out of credit.

Doing the Right Thing?

They think they’re doing the right thing. But even clearing off the minimum payments doesn’t pay down what you owe – it just clears some of the interest. The debt gets bigger. The interest keeps on being added.

They come to us with a bigger problem than they should have. The bigger the problem, the less sympathetic the creditors will be.

Look Out For The Warning Signs

If you’re taking credit look for the warning signs:

Are you taking credit to pay off other loans?

Are you taking credit to buy everyday essentials?

Are you taking credit to draw out cash to live on?

Are you falling behind on even the minimum repayments?

Are the credit companies chasing you at home or at work?

Are they threatening you with bailiffs or the court?

If you’re thinking ‘yes’ then you may have a problem.

There Is An Alternative That Will Get You Into…. ‘The Driving Seat’

You need to get into the driving seat with your debt. Don’t let debt drive you to distraction.

An Individual Voluntary Arrangement or ‘IVA’ – means:

You get the creditors off your back.

Interest is frozen on your debts.

You repay what you can really afford over 60 months.

All fees and costs are built in to the plan – you don’t get a bill for setting up or running the IVA – it comes out of the money that goes to your creditors.

After five years you stop making payments.

You walk away debt free with a clear conscience – you’ve paid what you could afford.

Your creditors get paid what you can afford to p

If you’re taking credit look for the warning signs:

Are you taking credit to pay off other loans?

Are you taking credit to buy everyday essentials?

Are you taking credit to draw out cash to live on?

Are you falling behind on even the minimum repayments?

Are the credit companies chasing you at home or at work?

Are they threatening you with bailiffs or the court?

If you’re thinking ‘yes’ then you may have a problem.

There Is An Alternative That Will Get You Into…. ‘The Driving Seat’

You need to get into the driving seat with your debt. Don’t let debt drive you to distraction.

An Individual Voluntary Arrangement or ‘IVA’ – means:

You get the creditors off your back.

Interest is frozen on your debts.

You repay what you can really afford over 60 months.

All fees and costs are built in to the plan – you don’t get a bill for setting up or running the IVA – it comes out of the money that goes to your creditors.

After five years you stop making payments.

You walk away debt free with a clear conscience – you’ve paid what you could afford.

Your creditors get paid what you can afford to p

An Individual Voluntary Arrangement or ‘IVA’ – means:

You get the creditors off your back.

Interest is frozen on your debts.

You repay what you can really afford over 60 months.

All fees and costs are built in to the plan – you don’t get a bill for setting up or running the IVA – it comes out of the money that goes to your creditors.

After five years you stop making payments.

You walk away debt free with a clear conscience – you’ve paid what you could afford.

Your creditors get paid what you can afford to pay them – and that can be as little as 25p in every Pound you owed. It’s Your Choice

Don’t delay, you can call me today on 0800 088 7503. We’re a small family business, not a call centre. We’re not listed on the stock exchange so we can concentrate on giving clear, ethical advice rather than selling you something that’s not right for you just to meet a sales target or to pay shareholders.

We are here to help, not to judge.