We can help with all types of unsecured debt. There are various debt solutions available depending on your individual circumstances, debt level, and number of creditors. Our trusted partner will advise which option is suitable for you.

Debt relief options differ from person to person. However, our partner debt experts will work with you and explain all the options available so you are able to make an informed decision.

There is no cost to use our service and you are under no obligation. If you qualify for debt help with one of our partners, your monthly repayments will be reduced to an amount that you can comfortably afford and that are acceptable to those people that you owe money to. Fees are only charged if you enter into a financial solution and your provider will confirm the associated costs within their terms and conditions.

The potential debt solutions which are available really are life changing, but it's not a one size fits all. It's important our trusted partners understand your situation properly to be able to give you the best service.

Yes, an IVA, or other debt solution such as a Trust Deed, will adversely affect your credit rating as it will show on your credit report for six years after it has been approved. However, it's important to note this is the case for most debt solutions and your credit score will likely already have been affected by being in debt in the first place.

In most cases entering an IVA won't affect employment. However, in certain professions, such as accountants and solicitors, having an IVA may mean that you can no longer practice or you may only be able to practice under certain conditions.

When you're considering entering an IVA, it's important to be aware of the following:

• If you are a homeowner and your property has equity in it, you'll need to try to re-mortgage which could result in an increased interest rate and a 12 month extension to your arrangement. 
• Your credit rating will be affected adversely.
• Only the unsecured debts included in your IVA will be written off at the end of the agreement.
• Your IVA will be recorded on a public register.
• If your IVA fails you could be at risk of bankruptcy.
• Your financial freedom might be restricted.
• Your creditors need to agree to the IVA.

An advisor will ensure you're aware of the advantages and disadvantages to help you make an informed decision.