An IVA may not be suitable in all circumstances.

Fees apply to the service, click here for more details. Your credit rating may be affected. Read more about IVAs here.

Debt Solutions

Alternative Debt Solutions

Whilst we specialise in IVAs and can't assist you in setting up alternatives, we can assess your financial situation to see which solution best meets your needs. If one of the below debt solutions is more suitable, we can refer your application to a firm that could help.

Debt Management Plans

A Debt Management Plan (DMP) helps you to repay your non-priority debts by making affordable repayments while ensuring you can still afford your living costs.


If you can't repay your debts, bankruptcy can be a fresh start. However, there are several things to consider before deciding if bankruptcy is right for you.

Debt Relief Order

A Debt Relief Order (DRO) can be considered if your financial situation won't improve for at least a year. Learn more about how this compares to an IVA.

Administration Order

You may be able to get an administration order if you have a county court or high court judgement against you and you cannot afford to pay the debt.

Some solutions available to Scottish Citizens

Trust Deeds

A Trust Deed is only available in Scotland. Find out more about the trust deed's similarities with an IVA, such as writing off unsecured debt on completion.

Debt Arrangement Scheme

Learn more about debt arrangement schemes introduced by the Scottish government to help people repay their debts affordably by paying regular monthly amounts.

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