Write Off Unaffordable Debts & Save £1,000's With A Government Legislated Debt Relief Scheme
If you’re struggling with debts over £6,000, it can be hard to know where to turn.
Safe, Secure, Confidential & Free To Find Out
A small selection of debts you could write off

Here's an example of what we can do:
We consolidate all the debts onto one smaller monthly payment which allows you to get back on track.
*These figures are an example of a customer helped by one of our trusted partners
Example Debts | |
---|---|
Total Unsecured Debt | £33,080 |
Old Monthly Payment | £717 |
New monthly debt repayment | £177 |
Monthly deduction | £540 |
Debt written off | £22,460 |
Term | 60 months |
Your Current Monthly Payment
£717
PER MONTH
Your New Monthly Payment Will be
£177
PER MONTH
Benefits Of An IVA
Write Off Unaffordable Debts
Freeze all interest and charges
One affordable low monthly repayment
No upfront costs
Protect your assets
Stop lenders contacting you
IVA Qualifications
Debts you can't include
debts you can include
criteria
IVA is for residents in England, Wales and Northern Ireland.
Free debt counseling, debt adjusting and credit information services are available from the Money Advice Service.

Let's Get Started
*no contact details required to find out if you qualify
Debt Solutions
- PTD
- DMP
- DAS
- DRO
- BANKRUPTCY
- SEQUESTRATION
IVA - Individual Voluntary Arrangement - Not Available In Scotland
What Is An IVA?
An individual voluntary arrangement (IVA) is a formal agreement which allows you to make payments to your creditors, usually over five or six years. At the end of your IVA any unsecured debt that has been included in the arrangement is written off. There is no limit to the amount of debt that can be included in IVA and most unsecured debts can be included. An IVA can help to make unmanageable debts affordable again by reducing your debt repayments to an affordable level again and making sure that you have enough left over for your bills and other living costs.
When you enter into an IVA a proposal will be put to your creditors and if 75% of them (by debt value) agree to the proposal, then the IVA will be put into place.
An IVA is only available in England, Wales and Northern Ireland. If you are in Scotland a similar solution is a Trust Deed.
Benefits Of An IVA
- You make one monthly payment usually for a period of 5 years
- Interest and charges are frozen if the IVA is accepted
- If you are a homeowner, you can keep your home providing that you maintain payment towards your mortgage any secured loans
- There are no set up fees with an IVA. Any fees charged by the Insolvency Practitioner are usually included within your monthly payment
- An IVA is legally binding on your creditors and if accepted your creditors cannot take further action against you or contact you, other than to send statements or default notices.
Drawbacks Of An IVA
- An IVA will affect your credit rating and will be registered on your credit file for 6 years
- If the arrangement fails, there is a risk of bankruptcy
- Details of an IVA are registered on the Insolvency Register which is a public register
- If you are a homeowner you may be required to release equity in the final year of the IVA and a remortgage may only be available on less favourable terms. If you are unable to remortgage, you may need to make additional payments for a further 12 months
- There are restrictions on expenditure for someone entering into an IVA
© National Debt Advisor is a trading name of Leadfix Ltd. All rights Reserved
Leadfix Limited is registered in England and Wales, registration number 12087032. Licensed by the Information Commissioners Office, registration number ZA538511. Lead Fix Limited (FRN 940840) is an Appointed Representative of Superior Insolvency Solutions Limited who is Authorised and Regulated by the Financial Conduct Authority (FRN 811106)