Debt Hub


IVA Calculator – How Much can You Write off?

Just enter in how much you owe (even roughly) and let our FREE calculator do the rest. It can determine how much you could write off with an IVA. >>

What’s Better - an IVA or DRO?

Find out which debt solution is right for you. Both an IVA and DRO have advantages and disadvantages. The best choice depends on these factors. >>

Write off Debt – Explained

Some groups promise to write off 100% of your debt - realistically this isn't possible. We've explained all you need to know about writing off debt here. >>

Renting With an IVA

Whether paying rent arrears or looking to move address, we've covered everything you need to know about this matter here. >>

How much does an IVA Cost?

If your IVA isn't approved, you won't be charged by us. We'll be honest with you and explain exactly what you can expect to pay for an IVA. >>


An IVA and DMP are two very different debt solutions. To decide which one is best for you, here are nine things to consider. >>

Is an IVA Right for Me?

It can be difficult to determine if an IVA is right for you. Here are five things to bear in mind before committing to one of these solutions. >>

How Long Does an IVA Last?

An IVA generally lasts for several years. However, this length can be increased or decreased. Here, we explain how that's possible. >>

Can You Get a Mortgage With an IVA?

Having an IVA does not completely bar you from getting a mortgage. However, it will probably affect the application process. Find out how here. >>

Can I Get Credit With an IVA?

Getting credit during an IVA isn’t completely out of the question. Take a look at this page and we’ll help you understand how it works. >>

IVA Pros and Cons

There are multiple pros and cons to IVAs – we detail each of them here so you can identify whether this solution is right for you. >>

Do I Qualify For An IVA?

Want to find out if you qualify for an IVA? You're in the right place! Here we discuss the qualifying criteria you should meet. >>

How Does an IVA Work?

An IVA is a legally binding, formal agreement which can also write off substantial debts. Here we discuss in detail and explain how it can help you. >>

What Happens if an IVA Fails?

When an IVA fails, there are several things which can happen. However, the agreement usually doesn’t become void straight away. Here’s what to expect. >>

Debt Management

Whilst we don't directly offer debt management plans, we can assess your financial situation to see which solution best meets your needs. If a debt management plan is most suitable, we can refer your application to a firm that could help.

Debt Management Plan Pros and Cons

A debt management plan often sounds great but there are disadvantages and advantages to this scheme. Here, we explain everything you need to know.>>

What is an Informal Debt Solution?

Informal debt solutions are just one way you could regain control of your finances. We've detailed everything about these arrangements here.>>

Can I get a Mortgage with a Debt Management Plan?

If you're on a debt management plan you may think it's impossible to buy your home with a mortgage. However, there may be a solution. Read more here. >>

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