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Debt Solutions


IVA stands for Individual Voluntary Arrangement. It is a formal agreement between you and your unsecured creditors, which allows you to make repayments based on what you can afford...

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IVA for a Self-Employed

As with a typical IVA, this solution involves making monthly payments to your creditors based on what you can afford each month. This type of IVA can offer a lot more flexibility...

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Trust Deed

In a Trust Deed, you make a single monthly instalment towards your unsecured debts. This is based on your income and expenditure, so is tailored to be affordable for your circumstances. You usually make...

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Debt Arrangement Scheme

The Debt Arrangement Scheme (DAS) was introduced to Scottish law in 2004. Unfortunately no equivalent solution is currently available to people living in England. As with a Trust Deed, a DAS protects...

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Administration Order

If you have a County Court Judgement against you, an Administration Order can prevent your creditors from taking further legal action against you, and protect your assets. Instead of making multiple payments...

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Bankruptcy is usually considered a last resort for people who are unable to pay off their debts in a reasonable amount of time. The bankruptcy process involves transferring control of your finances to an Official...

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Sequestration is the Scottish equivalent to bankruptcy, and is, similarly, usually used as a last resort for dealing with unmanageable debt. During sequestration, a licensed Insolvency Practitioner takes control of your...

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Debt Consolidation Loans

A debt consolidation loan is a loan which is taken out in order to repay other debts in full. For example, you might owe money on two credit cards and one payday loan, and choose to take out a fourth line of credit to...

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Debt Management Plan

A Debt Management Plan (DMP) is a revised repayment plan agreed between you and your creditors. You can negotiate this new repayment plan with your creditors yourself, hire a private firm to organise it...

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Debt Relief Order

A Debt Relief Order (DRO) is a low-cost alternative to bankruptcy, available to people living in England and Wales. It is similar to the Scottish MAP. If you are granted a DRO, you will not have to...

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Debt Settlement Offer

A Debt Settlement Offer (DSO) involves settling your debts with one lump-sum payment. By explaining to each creditor that your situation is unlikely to improve in the near future, but that you currently have a...

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