Contact the Debt Counsellors
The Debt Counsellors

Iva

An IVA, or Individual Voluntary Arrangement, is a legal process for people with serious debt and insolvency issues and can be good alternative for someone with higher debt amounts

If you have debts over £13,000 this can well be the answer to your problems!

An IVA is arranged by an insolvency practitioner, who looks into the individual’s debts and draws up a proposal for creditors, which is presented and voted upon at a specially arranged meeting.

If creditors representing 75% or more of the debt vote in favour of the proposal, the IVA goes ahead.

Under the terms of the arrangement, a large percentage of the overall debt can be written off and the rest is paid off in monthly instalments over five years.

You could become debt free in 60 months.

DEBT MANAGEMENT

A debt management plan is an agreed solution with your lenders and we negotiate with your creditors.
do i qualify?

IVA

An IVA is a formal arrangement with your creditors. Once agreed your creditors cannot ask for your agreement to be changed.
do i qualify?

REFINANCING

Refinancing is a way to wrap up all of your credit into one manageable monthly payment.
do i qualify?

TRUST DEED

For our Scottish customers a Trust Deed is your equivalent of an IVA.
do i qualify?

BANKRUPTCY

Bankruptcy is when you legally declare that you cannot pay your debts and a court order is put in place to split your assets amongst your creditors.
do i qualify?

CONTACT

T: 0800 954 8115
Gisborne Close
Staveley, Chesterfield
Derbyshire, S43 3JT

The Debt Counsellors Limited - IVA, Debt Consolidation & Debt Management Specialists
Registered in England and Wales (Company Number 03276827)
Postal Address and Registered Office:
Gisborne Close, Staveley, Chesterfield, Derbyshire, S43 3JT
Consumer Credit License No. 0464223

© 2008 Relax Group PLC