To find out what options are available to you, simply complete the online form below. Our advice is confidential, free, with no obligation and no setup fees.
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Amount of debt?

Why do we need to know this?
Your amount of debt can affect what solution you qualify for.

Number of debts?

Why is this important?
The number of debts you have can help us determine the type of initial help which could benefit you. Whether that be a debt solution or something different.

Employment status?

Why is this important?
All debt solutions are based on what you can afford to pay each month, based on your debt level. This helps us identify which solution is best for you.

1. Great news, it looks like we can help!

Get your results now and find out how Specialist legislation can help you:

  • Pay as little as £80 towards your debt each month
  • Find out what percentage of unaffordable debt you can write off

2. Take the next step today

Almost there!
Please provide your contact details so we can get your results to you.

    I agree to be contacted by Debt Help Advices by phone or email. See our Terms & Policies for more information.
    What debts can I include?
    You could include - Utility arrears, Council arrears, Store debts, Loans, Credit cards, Catalogues, CCJ's, Overdrafts, HMRC Debts, Bailiff debt & Debt collector debts. Plus more!
    *People entering a Government Plan can expect to write off up to 85% of debt.
    IVA Example
    • Personal Loan£9,800
    • Credit Cards£7,500
    • Store Cards£3,100
    • Old Council Tax£2,000
    Total Debt £22,400
    Your monthly repayments*

    Whatever your circumstances, help is available.

    • Help is available right now

      We understand more than most that dealing with debt can be stressful, but we also know how easily it can be resolved. Just get in touch. Do not suffer in silence.

    • Try our PlanFinder

      Do you want to clear your debt? We can help display your options in less than a minute. All you need to do is complete our PlanFinder, there is no obligation and it is completely confidential.

    • Free debt advice

      All advice you will receive from us will be free. You can close an enquiry at the click of a button if you decide against something. If you are serious about change, then get in touch.

    • We'll help all the way

      We will help with advice, contacting your lenders, with paperwork and even help in the future if you need further advice. We will teach you how to deal with bailiffs and debt collectors too.

    Learn more

    Which plan fits your life?

    Customer Feedback

    “I was suffering from anxiety and insomnia because I was constantly worrying about my debts. I didn’t want to worry my family so I kept quiet until I just couldn’t cope. That’s when I decided to do something about my situation. From the start I was made welcome and at ease. I was not judged and everything was handled so quickly. I would definitely recommend them. My advisor was professional, reliable and friendly. I just wish I’d contacted them sooner. Thank you so much. Finally, I can start living my life again knowing I will be debt free.”

    Sandra, Leeds

    Debts we can help you with...

    Frequently Asked Questions

    What is an IVA?

    An individual voluntary arrangement (IVA) is a legally binding agreement between you and your creditors that helps you pay off your debts at an affordable rate.

    What is the difference between bankruptcy and an IVA?

    Bankruptcy is usually a much quicker process than an IVA. Bankruptcy is typically over within 12 months (although you may still be required to make payments for up to three years), whilst IVAs are usually paid over a period of 5 to 6 years.

    How long does it take to set up an IVA?

    The general advice is that, barring any unforeseen circumstances, your IVA could be ready to go in a period of 4-8 weeks.

    Do I have to be employed to enter an IVA?

    Yes, you can still apply for an IVA even though you may be out of work, but is it in your best interests to do so?

    Do I need to be a homeowner to apply for an IVA?

    If you own your home, its value will be taken into account as part of your IVA. This means, in the final year of your IVA, you will have to get a valuation of your home to find out how much equity is in it.

    How long will the IVA last?

    An IVA usually runs for 5-6 years, although it’ll be extended if you miss payments. During this time, you’ll need to stick to the rules in the Agreement, and you’ll have limited control over your money.

    How much does an IVA cost?

    Depending upon the nature of your case, and the amount of work deemed necessary on an ongoing basis, fees may be charged on a fixed annual sum, or as a percentage of realisations or sums distributed – usually at 15% plus VAT.

    What happens if the IVA is not approved?

    As I mentioned briefly above, if your IVA fails, then your creditors will definitely start taking action to recover the money them you owe to them. You will also have to pay the fees of your Insolvency Practitioner (IP) regardless of the fact that your IVA failed.

    What debts can be included in an IVA?

    An Individual Voluntary Arrangement (IVA) is a legally binding debt solution, and once you’ve agreed to the terms and conditions it can be difficult to add new debts to your IVA. … Your Insolvency Practitioner (IP) should simply be able to add the new debt to your IVA without any issues.

    To find out more about managing your money and getting free advice, visit Money Helper, independent service set up to help people manage their money.