Let us Help You Get Your Debt in Check

The Find My IVA Process

In less than 2 minutes you could start your journey 
to becoming debt free

Ensure you Qualify

IVAs aren’t for everyone, and we’re here to find the best debt solution for you. Simply provide us with your current debt and income status, and we’ll do the heavy lifting to find out if you are an ideal candidate for an IVA.

Discuss Your Options

As there is no one size fits all solution to debt, our experts will take your case and discuss every viable option with you. You may have more than one affordable solution for paying off your debts. IVA is not the only way to alleviate debt, so we’ll also discuss other options.

Find an IVA representative

If we find that an IVA is the best option for you, we’ll assign an insolvency expert to your case who will be your representative when dealing with creditors. The insolvency expert will negotiate a fixed monthly payment and help you clear your debt.

What We Have To Offer

Our goal is to help our customers and provide them with expert debt counselling and advice. To this end, we offer a wide range of solutions.


Our doors are always open to those in need of help. We fully understand the stress and sleepless nights caused by seemingly insurmountable debt. Consultations are offered free of charge, giving you access to professional financial and debt advisors.

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IVA Mediation

An IVA, or Individual Voluntary Arrangement, is drawn up by a professional insolvency practitioner who deals with all your creditors. Should your creditors agree to the arrangement, your debt will be consolidated into one monthly payment.

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Debt Rescue

As debt management professionals, we can assist you with all your debt needs. We’ll provide you with all the necessary information on every debt solution that could be viable for you. Let the experts help you get your debt in check!

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How We Can Get Your Debt In Check

below is just an example of the types of debt we help people with on a daily basis

Housing Debt

Are you struggling to pay your mortgage? Speak to one of our professional debt advisors about how you can get your mortgage payments in check.

Utility Bills

If your utility bills are in arrears, we can assist you with expert debt counselling and debt management plans. Speak to one of our advisors about your debt relief options.

Personal Loans

Even though it is easy to fall into the trap of taking out more loans to pay off your current debts, we strongly advise against it. We can assist if you have outstanding personal loans.

Credit Card Debt

Are your credit card payments behind? Missing a single payment can turn into a nightmare. Let us turn your nightmare into a dream of debt recovery.

Frequently Asked Questions

Get the answers to all your IVA questions right here! If you still have some questions or would like to speak to one of our advisors, get in touch with us today
What is an Individual Voluntary Agreement (IVA)?
An IVA is a form of insolvency and involves an agreement between the debtor and creditor with the assistance of a mediator or third party, usually an insolvency practitioner. It is a legally binding agreement in which you agree to pay an amount to all of your creditors. The debt is repaid over a longer period and at an increased rate. This ensures that you can make payments and pay off your debts. The insolvency practitioner will be responsible of dividing the payments equally among your creditors as well as for all communication during the process. Your creditors are not allowed to contact you during this time. Your dedicated insolvency practitioner will have to garner the consent of all your creditors for the IVA to be put in place beforehand.
Will my IVA be accepted?
This all depends on how the creditors vote during the proposal of your IVA. At least 75% of your creditors are required to vote in favour for your IVA to be accepted. Your creditors vote on a string of factors, including the amount of outstanding debt, monthly repayment offer, the total return expected as well as the reason for your debts. Your creditors will also not be very lenient and expect dedicated monthly payments. Luxuries like holidays and spa treatments are considered a taboo and not necessity during this period. Your creditors will dismiss these expenses if included as essentials during your proposal.
How long does an IVA last?
In general, an IVA lasts for five years (60 months). This does however depend on your case and you can settle your debts sooner, should you be in the position to offer your creditors a Full and Final IVA offer. These are suggested to debtors who have a lump sum available to pay off their debts. In some cases, an IVA can also be extended for a period of one year, should you have equity in a property. Your IVA should continue until you have settled your debts and if you make your agreed upon monthly payments. Failing in doing so may lead to failure of the IVA and in turn bankruptcy. Even though this is unlikely, it is possible.
What happens when I can no longer afford to pay my IVA payments?
If you find that you are no longer able to pay the agreed upon payments due to changes in your financial situation, you should notify your insolvency practitioner immediately. The most reasonable course of action is for the insolvency practitioner to notify your creditors and attempt to negotiate a lower monthly payment until such a time you can afford making the IVA fully again. If this fails, you are also able to declare bankruptcy. This is however not a suggested course of action and should only be considered in severe cases where you have no other option.

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