Available in England, Wales
or Northern Ireland

• YOU MAY BE ABLE TO WRITE OFF UP
  TO 80% OF YOUR DEBT
• REPAY THE REST WITH A SIMPLE PLAN
• NO MORE NUISANCE CALLS OR LETTERS – PAYMENT DEMANDS ARE STOPPED
• NO NEW INTEREST OR CHARGES CAN BE ADDED SO YOU KNOW WHERE YOU STAND

• IF YOUR IVA FAILS, YOUR CREDITORS
  CAN ADD NEW INTEREST & CHARGES
• WITH A FAILED IVA YOUR CREDITORS
  CAN PURSUE YOUR BANKRUPTCY
• YOUR CREDIT RATING IS AFFECTED

Available UK ~ wide

• TAKES AWAY STRESS WITH ONE
  SIMPLE PAYMENT DIVIDED AMONGST
  YOUR CREDITORS
• YOUR ASSETS ARE PROTECTED AND
  YOU DON’T NEED TO RELEASE EQUITY
  FROM YOUR HOME
• YOU DON’T NEED TO NEGOTIATE
  WITH YOUR CREDITORS - WE’LL DO
  IT FOR YOU

• IT’S NOT LEGALLY BINDING SO YOU
  DON’T HAVE LEGAL PROTECTION
• THE DRAWBACK OF LOWER, MORE AFFORDABLE PAYMENTS IS THAT IT
  TAKES LONGER TO REPAY YOUR DEBTS

Available in England, Wales
or Northern Ireland

• A CHANCE TO START AFRESH AND
  WRITE OFF UP TO 100% OF YOUR DEBT
• IT’S QUICK – YOU CAN BE DISCHARGED
  IN 12 MONTHS AND ALL YOUR UNPAID
  DEBTS MAY BE WRITTEN OFF
• ONCE YOUR CREDITORS KNOW, THEY
  CAN’T HARASS YOU OVER UNPAID DEBT

• IT DAMAGES YOUR CREDIT RATING
  FOR UP TO 6 YEARS
• YOUR HOME, YOUR CAR AND OTHER
  ASSETS COULD BE SOLD TO PAY OFF
  YOUR DEBTS

Only available in Scotland

• YOU MAY BE ABLE TO WRITE OFF UP
  TO 80% OF YOUR DEBT
• INTEREST AND CHARGES ARE FROZEN
• CONSOLIDATE YOUR DEBTS INTO
  ONE PAYMENT YOU CAN AFFORD
  FOR USUALLY 48 MONTHS
• STOPS LETTERS AND CALLS
  FROM CREDITORS

• YOUR CREDITORS COULD OBJECT TO
  YOUR TRUST DEED BECOMING ‘PROTECTED’
  IN THE FIRST FEW WEEKS, MEANING THEY COULD STILL TAKE FURTHER ACTION
  AGAINST YOU
• IF YOU MISS PAYMENTS, YOU’RE
  AT RISK OF BANKRUPTCY

Only available in Scotland

• YOU COULD BE DEBT-FREE IN 12 MONTHS,
  SO LONG AS YOU CO-OPERATE
• TAKES AWAY STRESS – WE’LL CONTACT
  YOUR CREDITORS FOR YOU
• ALL UNSECURED DEBTS ARE NORMALLY WRITTEN OFF, ALTHOUGH YOU MAY HAVE
  TO MAKE CONTRIBUTIONS FROM YOUR
  INCOME FOR UP TO 4 YEARS

• YOU COULD BE MADE TO SELL YOUR HOME
  OR CAR TO HELP PAY OFF DEBTS, ALTHOUGH
  A TRUST DEED COULD BE USED INSTEAD.
• IT DAMAGES YOUR CREDIT RATING
  FOR UP TO 6 YEARS

Only available in Scotland

• STOPS CREDITORS FROM TAKING
  LEGAL ACTION AGAINST YOU
• WE DEAL WITH YOUR CREDITORS FOR
  YOU, TAKING AWAY THE STRESS
• YOUR HOME IS SAFE SO LONG AS YOU
  KEEP UP WITH YOUR MORTGAGE OR
  RENT PAYMENTS
• MONTHLY PAYMENTS ARE BASED ON
  WHAT YOU CAN REASONABLY PAY

• IT CONTINUES UNTIL YOUR DEBTS
  ARE REPAID
• YOU CAN’T WRITE OFF DEBT – ONLY
  FREEZE ALL YOUR INTEREST, FEES,
  PENALTIES AND CHARGES

Available UK ~ wide

• ONE FIXED MONTHLY REPAYMENT
  MAKES IT EASIER TO BUDGET
• IT CAN BE CHEAPER THAN A CREDIT CARD – AND YOU COULD BORROW A HIGHER
  AMOUNT TO REPAY YOUR OTHER DEBTS
• THE INTEREST RATE YOU PAY IS USUALLY
  FIXED (BUT NOT ALWAYS)

• THEY CAN HAVE HIGHER RATES OF
  INTEREST THAN SOME OTHER TYPES OF BORROWING, ESPECIALLY ON A SMALLER AMOUNT SUCH AS £1,000
• EARLY REPAYMENT CHARGES CAN
  APPLY IF YOU WANT TO CLEAR YOUR
  LOAN FASTER