Is An IVA Right For Me?
- Write off up to 70% of your debt
- Debt free in 5 years
- Interest is frozen
- Avoid bankruptcy
- Creditors are legally bound
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- Must owe at least £12,000
- Must be insolvent
- Creditors must agree
Is Debt Management Right For Me?
- Not a formal insolvency procedure
- less damaging to your credit rating
- no legal proceedings - Reduce or freeze interest
- Reduce payments
- Ideal for lower debts
- Flexible - if circumstances improve, you can increase payments
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- Creditors can change their mind
- Can take longer to settle
- Can increase the amount you repay
In addition to our advice, the Insolvency Service also provides an information booklet called In Debt? Dealing with your creditors
