- Write off a substantial proportion of your debt
- Freeze all further interest and charges
- Stop pending legal action in its tracks
- Force your smaller creditors to accept a repayment plan, already agreed with the larger ones
- Protect your home
- Stop all phone calls and threatening letters from your creditors
- Become debt free within 5 years
Welcome to IVA Help, the UK’s leading provider of debt help and IVA advice.
If you feel as though your debts are getting the better of you, and you would like some Free, No Obligation debt advice…simply complete the form to your right or enter your details into the quick contact section below.
You will be able to speak to someone experienced in the IVA procedure and who will be able to give you further IVA advice. Again, there is no charge for this service and you are not obligated in any way.
It is also worth noting that if an IVA is not right for you, we also offer other forms of debt help such as debt management. More information on which can be found below.
Don’t suffer in silence…speak to IVA Help today.
If you would prefer to discuss your options (with no obligation), please fill in the form below:-
For IVA Advice
If you’re considering an IVA as a solution to your debt problems it is important to have a thorough understanding of the procedure. All of our IVA advice is provided free of charge, by qualified Insolvency practitioners.
Our aim is to simplify the process providing clear, concise IVA advice enabling us to reach a decision amicably. We do not glorify the procedure, make false promises or advise inappropriately. You can rest assured that our IVA advice is always offered with your best interests at heart.
For IVA Help
If you are looking for IVA help then talk to us. There have been many misleading and inaccurate statements promoted recently on the subject of IVA's and IVA help. The ability to "write off 95% of your debt" is not achievable through an IVA and the only alternative, which reflects such a claim, is bankruptcy. However, it is true to say that an IVA can write off a substantial amount of your debt but it is impossible to quote a percentage as it varies from case to case. Honest IVA help is what we're here for. If you want to know the real facts regarding IVA help please feel free to contact us.
For Debt Help
All of our solutions are designed to give permanent debt help. A big part of controlling debt is education and learning to survive without the need or reliance on credit. Providing debt help in the form of an IVA or debt management can only be effective if the individual understands the reason why they got into debt in the first place.
To effectively manage debt usually involves a change in lifestyle or a change of attitude towards credit. The best debt help you can receive is to learn to live within your means. Of course a lot of the time the reason many people get into debt is out of their control and could be related to a number of other factors. Our experts are sympathetic towards your situation and will provide the best debt help available.
For Debt Management
A debt management plan is a much more informal agreement to repay your creditors through a single affordable repayment which is then repaid to your creditors in proportion to the amount that you owe them.
Unlike an IVA, debt management is not a formal contract between you and your creditors and so you are not bound to adhere to it, if your circumstances change. Most creditors will agree to freeze interest and charges on a debt management plan provided that they are satisfied that the repayment that is offered is realistic and that you are seen to make regular payments into the plan.
In the circumstances, therefore, it is generally inadvisable to vary or stop making payments into a debt management plan since this could cause interest and payments to recommence and creditors could, once again, start contacting you to establish how your circumstances have changed and why you have reduced or stopped making payments. Ivahelp.co.uk will consider this option before an IVA if it can successfully control your situation.
Latest Debt and IVA Articles
- IVA and Bankruptcy increases in the North of England 20/05/2008
There has been a stark rise in the number of people declaring personal bankruptcy and entering into IVA agreements within the Northern parts of Britain. According to accountancy group KPMG, certain areas within the North have s... - Card Service Withdrawal May Increase Debt Exposure 15/05/2008
Thousands of credit card borrowers across the UK are having there spending limits restricted, or in the more severe cases their accounts closed completely. However very few providers have been forthcoming with their customers as t... - British youth risking IVA prospect through wanton needs 13/05/2008
An independent financial journalist has recently revealed that a large proportion of Britain’s youth are running the risk of becoming insolvent or requiring IVA assistance due to a wanton need to look good and fit in with their pe... - First Quarter Insolvency Prediction Was Accurate 08/05/2008
Early estimates into a prospective rise of the number of Brits declaring insolvency during Q1 of this year have unfortunately come to fruition. Recently released statistics show that the number of people entering into IVA agree... - Charity pushes for increased credit card awareness 04/10/2007
One of the UK’s leading debt charities has recently revealed that many thousands of UK citizens are jeopardising their financial health through the insensible use of credit cards. Accordingly, almost 40% of people are using cre...