IVA HELP
IVA Debt Help & Advice Specialists.
Are you looking for a solution to your debts? There are solutions available to help you get away from debt, and start living a life free from debt.
- Put a stop to your interest and charges each month
- Full legal protection from creditor contact
- One simple monthly payment - That's realistic and affordable.
IVA may not be suitable in all circumstances, fees apply, your credit rating may be affected
How Does IVA Help & Advice Work?
At Advice Centre Group, we offer free impartial guidance on your circumstances. Our job is simple, to help you find a solution that’s practical and affordable to your circumstances.
If you are struggling each month to find ways to pay your normal monthly bills, and then having to find the money to pay debt, why not look at applying for an IVA that not only takes into account your income and expenditure, but works with you to find a payment that is comfortable and affordable. Whether you have missed payments or believe you are about to get to that point, then an IVA can help.
An IVA (INDIVIDUAL VOLUNTARY ARRANGEMENT) can help you to not only become debt-free but to have a fresh start where your money is YOUR money, and not just going on bills and debt. If you need further information, check out the pros and cons of an IVA.
Our team is waiting to speak to you, don’t hesitate to apply for an IVA online with us, or fill in the form and we will contact you within 5 minutes (unless it’s during the night, we all have to sleep!)
Get In Touch Today:
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Start Your Journey In 3 Simple Steps...
At The Advice Centre our mission is to help you. Our exceptional team will manage the whole process from beginning to end taking the stress and worry away from you.
One of our specialist advisors will be in contact.
We will go through your personal and financial circumstances, reviewing your income and expenditure to find the best solution that is perfect for your needs.
You are good to go!
We provide you with the right and best advice, agreeing the best solution with you, so you can relax knowing a direction which suits your needs is available.
When Should You Apply For An IVA?
If YOU find yourself doing any of the below?
Take Action Now.
Are YOU worrying about your money and the current cost of living?
If you find yourself panicking about having enough money each month – We can help!
Every time you get paid do YOU have any money left over?
After receiving your wages or benefits you realise it doesn’t cover everything! – We can help!
Are YOU borrowing more money to get you through the month?
Creating more debt just to survive each month makes your situation worse – We can help!
Have YOU missed payments?
If your missing payments then things will only get worse and lead to defaults, court action, and Bailiffs. We can help you with all of them!
Are YOU dreading opening your emails or post through fear of contact?
If YOU worry about opening emails or going home to a raft of letters and seeing that a debt collector is chasing YOU for money or a Bailiff is coming to collect your belongings.
Are YOU borrowing more money to get you through the month?
We can help! All calls with our specialist advisors are confidential and we can correspond with you only by email, avoiding any letters being sent to your house.
What Our Clients Are Saying About Us
Frequently Asked Questions
An Individual Voluntary Arrangement (IVA) is a formal agreement with your creditors to repay your debts over a set period, usually 5 to 6 years. It must be set up and managed by a licensed Insolvency Practitioner (IP).
Find out More Here = CLICK HERE
Knowing how much an Iva leaves you to live on is based on your income and expenditure.
Utilising the SFS guidelines at Advice Centre Group we will work with you to find out the best possilble amount you have to pay towards your IVA.
Your (D.I) Disposable Income is based on what you have left after your normal bills and also household essentials.
It is worked out after you have paid
Rent
Utility Bills
Communications and Leisure – I.e. Phone, Internet, Sports and hobbies, contingency etc
Travel Costs – Public Transport, Insurance, Tax, Petrol, Car HP Etc
FOOD – This is based on the number of people in your household
Hair, Dentist, opticians etc
This means your payment to your IVA is affordable after EVERYTHING else has been paid
An IVA can help by:
Combining your debts into one affordable monthly payment.
Freezing interest and charges once agreed.
Writing off any remaining unsecured debt at the end of the term (if payments are maintained).
For many people struggling with debt, an IVA can be a very worthwhile solution. It allows you to:
Combine all your unsecured debts into one affordable monthly payment.
Freeze interest and charges once the plan is in place.
Protect yourself legally from creditor contact and further action.
Write off any remaining unaffordable debt at the end of the arrangement.
An IVA gives you a clear end date and the reassurance of knowing exactly when you’ll be debt-free, provided you keep up with payments. Many people see it as a positive step towards regaining control and achieving a fresh start.
That said, an IVA does affect your credit rating for six years, and you’ll need to commit to making regular monthly contributions. If you’re a homeowner, you may also be asked to look at equity release in the final year.
Overall, if you have multiple debts and a steady income, an IVA is often worth considering as a structured, legally protected way to become debt-free. Free and impartial advice is always recommended so you can be sure it’s the right choice for your situation
FUND OUT MORE – CLICK HERE
Eligibility depends on your circumstances. Typically, IVAs are more suitable if you:
Owe over £6,000 in unsecured debts.
Have two or more different creditors.
Have a regular income and can make monthly payments.
Most unsecured debts can be included, such as credit cards, loans, store cards, and overdrafts. Some debts cannot be included, such as court fines, student loans, and child maintenance.
Yes. Once the IVA is approved, your creditors are legally bound by the arrangement. Collection calls and legal action must stop, provided you keep up with the payments.
Missing payments can put the IVA at risk of failing. If you’re struggling, it’s important to speak to your Insolvency Practitioner immediately, as they may be able to adjust your plan.
Yes. An IVA will remain on your credit file for six years from the date it starts. This may affect your ability to obtain credit during and shortly after the IVA.
In many cases, an IVA may allow you to stay in your home. If you own a property, you might be asked to release equity in the final year, but this is subject to affordability and lender availability.
Once you make all agreed payments, any remaining unsecured debt included in the IVA is written off, and you will be issued a completion certificate.
Advice Centre Group Specialise In IVAS, We have helped over 12000 people become debt free with an IVA. We are a trusted feefo gold service award winner and have our own in house insolvency practitioner.
If You are looking for IVA help – CLICK HERE TO GET STARTED
Call us – 0161 660 6270
Email us – Enquiries@advicecentregroup.co.uk
You can visit the Money Helper website to find out more about managing your money and to get free advice, they are an independent service set up to help people manage their money
Advice Centre Group Ltd registered in England and Wales (14322979). Registered office: Second Floor A, Cheadle Place, Cheadle, Cheshire, England, SK8 2JX.
Adam Southard is authorised as a Licensed Insolvency Practitioner in the United Kingdom by the Insolvency Practitioners Association, We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meet the criteria for one of our insolvency solutions, therefore, all advice regarding Individual Voluntary Arrangements (IVA) is given in reasonable contemplation of an insolvency appointment.
Adam Southard is licensed to act as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association. Office Holder No. 11930
Insolvency Practitioner Directory- Insolvency Practitioner Details (bis.gov.uk)
What you need to know about Individual Voluntary Arrangements
(Insolvency Service)
We provide solutions to individuals throughout the UK, We Will help recommend solutions available to your circumstances in which you can then make an informed decision about which solution you qualify for is best for you and your circumstances.