New Debt Industry Standards and IVA

New lending codes protect people considering IVAs and other debt solutions from unfair practices by debt help companies.

Common Debt Solution Alternatives to an IVA

If an IVA isn't right for you, here are other ways to tackle serious debt based on your circumstances.

Simple Answers to Common IVA Questions

An IVA requires at least £15,000 in debt from multiple creditors, but your application can be rejected if you can afford repayments or creditors don't agree.

Debt Help Companies That Can Be Trusted

Reputable debt help companies put your interests first, but many advertise false promises and hidden fees, here's how to spot the trustworthy ones.

How to Avoid County Court Judgements

Stop a CCJ from damaging your credit by understanding the court process and taking action before creditors file against you.

Using a Financial Planner to Avoid Debt

A financial planner shows you exactly where your money goes each month and helps you cut unnecessary spending to stay out of debt.

The Realistic Way to Clear Personal Debts

Clearing personal debts takes real commitment and sacrifice, here's how to do it without falling for scams or paying for help you don't need.

UK Cost of Living and Hidden Personal Debts

Rising living costs are pushing more UK households into hidden debt they won't even tell their partners about.

IVA Timeline: From Application to Acceptance

How long does an IVA application take and what happens at each step of the process.

Saving Your Business With an IVA

An IVA can help a struggling small business avoid bankruptcy and keep trading if creditors agree to the arrangement.