Write off up to 81% of your debt

You may be able to write off your unaffordable debts and avoid bankruptcy. Check if you qualify now…


“Friendly, professional and very understanding.”


May not be suitable in all circumstances. Fees may apply, read here . Entering into an IVA will affect your credit rating, read here.

Write off up to 81% of your debt

We’ve helped over 182,000 people out of debt. And we can help you:


“Excellent, professional and very understanding.”


Welcome to Creditfix

We work with some of the UK’s leading debt partners, and can offer you a debt solution to help you write off your unaffordable debt

Write off up to 81%* of your total debt

Become debt free in up to 5 years

Minimise or stop collection calls

Consolidate bills into one low payment

How does it work

We can help write off unaffordable debt through an IVA. An IVA is an agreement between you and your unsecured creditors, which allows you to repay only what you can reasonably afford over a fixed period of time.

Just think, no more:

Helping you deal with debt.

What our customers are saying.

We’re committed to offering straight-forward and professional advice and customer feedback is vital to helping people just like you.

Here’s an example of how we can help.

Let's say you owe...

Bank Loans


Short Term Loans


Phone Bills


Credit Cards


Store Cards





Total amount owed:


Customer monthly repayments before and after taking an IVA.

Before an IVA - £610
After an IVA - £120

Reduced by 80%

Monthly payments are based on individual financial circumstances

Write off most types of debt, including…

Credit Cards

Payday Loans

Store Cards


Personal Loans

Lines of Credit

Business Debt


*An Individual Voluntary Arrangement (‘IVA’) is subject to the customer meeting qualifying criteria and gaining creditor acceptance. Monthly IVA payments include fees and may differ to the example provided, based on the assessment made of your own personal circumstances – these fees will be clearly explained to you in writing by your IVA company. Debt write off amounts are subject to creditor acceptance and vary by individual customer based on their own financial circumstances, and are applied upon successful IVA completion. Substantiation example, Someone owes £60,000, they pay £100 over 60 months which equals £6000, write off amount would be £54,000 which is 81% of total debt level. © Creditfix 2022 All Rights Reserved

Frequently Asked Questions

An Individual Voluntary Arrangement (IVA) is a formal debt solution that creates alegally binding agreement between you and the people you owe money to. You may decide to enter an IVA if you’re struggling to repay the total amount of unsecured debt you currently have but can repay some.

Yes, an IVA will have an impact on 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.

Once your IVA is complete you will be offered a fresh start to begin rebuilding your credit rating.

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.

Once you enter an IVA, creditors can take no further action against you and can’t contact you directly.

An IVA can be a positive way to manage unaffordable unsecured debt and allow you to better manage your monthly finances.

In an IVA a single monthly payment is agreed with your current financial situationtaken into consideration – this payment is then divided between the people you owe money to. During the course of your plan all interest and fees associated with your debts are frozen.

At the end of the IVA the remaining debts are written off and you can begin your debt-free future.

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.
  • Your credit rating will be affected.
  • 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.
This isn’t an exhaustive list of considerations to be aware of before deciding to enter an IVA. An advisor will ensure you’re aware of the advantages and disadvantages to help you make an informed decision.

We offer free debt advice tailored to your circumstances. We’ll find out more about your current financial situation and your lifestyle to advise on the best solution for you. Although we offer advice on all debt help solutions available, wespecialise in Individual Voluntary Arrangements (IVAs), Trust Deeds and the Debt Arrangement Scheme (DAS).

All of our initial advice is free; however, fees will apply should you decide to enter into an arrangement.

We operate a transparent fixed fee model, which incorporates the Nominee Fee, Supervisory Fee and all costs and expenses associated with the arrangement.

Fees will be taken from your monthly payment or asset realisations paid into your arrangement.

These will be discussed by an expert advisor to make sure you are fully aware of the costs involved.

The Insolvency Act 1986 governs personal and corporate insolvency in the UK. The act covers issues related to bankruptcy, Individual Voluntary Arrangements and all administrative orders.

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To find out more about managing your money and getting free advice, visit Money Helper, independent service set up to help people manage their money.