Debt Solutions

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IVA (Individual Voluntary Arrangement)

IVA is a debt solution to help people with little prospect of repaying their debts in full, but able to commit to regular payments to repay them in part, (normally over 60 months) in exchange for the rest being written off.

We’ll review your financial situation to determine your level of debt what you can afford to repay each month. If an IVA is suitable, we can make a formal proposal to your creditors. If this is accepted, no more interest or charges can be added to your debts. Provided you maintain payments, all unpaid debt is written off at the end of the IVA, which normally lasts 60 months.

PBS (Personal Budgeting Service)

PBS is a solution to help people struggling to maintain their monthly budget. This will allow one of our advisors to go through their current financial situation to determind their struggles.

If it is outstanding debts which are causing you financial difficulties then we are able to re-negoiate new arrangements with your debts based on your affordability and allow you to pay what you can afford each month.


PTD (Protected Trust Deed)

PTD is a voluntary and legally-binding agreement between you and your creditors overseen by a trustee, that can help you get out of debt that you are struggling to repay.

A trust deed can pay off most unsecured debt such as credit cards, personal loans, council tax, store cards, shortfalls…etc. This can all be done within a realistic timeframe, typically 4 years. A trust deed can only be arranged and administered by a licensed insolvency practitioner (trustee).

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