Are you £6,000 or more in debt?

Insolvency legislation may allow you to write off unsecured debts and stop bankruptcy

  • Lower your monthly payments
  • Stop creditor pressure
  • Write off debts you can't afford

Why Creditfix are Number 1

People Helped

Over 92,000
people helped

Trustpilot Score

A score of 9.3 out of 10 on Trustpilot

Average Writeoff

77% average
debt write off

Debt Written off

Over £314 million of debt written off

What our customers say about us

Debt Calculator

Please select the total sum of your debt

Less than £5,000
£5,000 - £20,000
More than £20,000

How many creditors do you have?

Less than 2
2 or more

What type of property do you live in?

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Living with parents

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What is an IVA?

An IVA (or Individual Voluntary Arrangement) is a type of debt solution that often suits people with £6,000 or more in unsecured debt, like credit cards and personal loans with some people writing off up to 75% of debt*.

Under an IVA, you agree a regular payment, which is divided between your creditors in proportion to the amount you owe them. Creditfix negotiates with your creditors on your behalf to ensure you only pay what you can afford. – and after the term of the agreement (usually five years), any outstanding debt is written off.


Example of How We Can Help

See how a IVA could help you with this simple example to consolidate all unsecured debts into one smaller monthly payment and write off unaffordable debt.
Unsecured Debt
Credit card£2,395
Credit card£648
Payday loan£1,408
Total owed£18,303

Customer repayments before & after an IVA

Before an IVA


After an IVA


Reduced By 62%

Types of debt we help with

Credit Cards
Payday Loans
Store Cards
Personal Loans
Council Tax Arrears
Unsecured Car Finance
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