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


Old Monthly Payment


New monthly debt repayment


Monthly deduction


Debt written off



60 months

Your Current Monthly Payment



Your New Monthly Payment Will be



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
  • Child Maintenance
  • Child support deficit
  • Student loans
  • Magistrates' court fines
  • Secured loans
  • Mortgage arrears
  • Guarantor loans
  • You owe more than £6,000
  • Can afford £80 per month
  • Have two or more creditors
  • Are financially struggling

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

Step 1 of 8

Which part of the country do you live?

If you had to give a rough guestimate, how much money do you owe?

How many debts do you have?

What is the biggest thing holding you back from enjoying your life?

How much could you afford to pay each month?

What is your residential status?

What is your employment status?

What is your monthly income? *

Congratulations! It looks like you qualify for Debt Relief.

One of the team should be able to help you out. We can send you your options to become debt free.

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Good News! We can help you.

You do qualify for free debt advice from a qualified advisor, well done in taking the first steps. We just need you to submit your application and you are on your way.

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Debt Solutions

  • IVA
  • PTD
  • DMP
  • DAS
  • DRO

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)