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Individual Voluntary Arrangement (IVA)

You make one monthly payment based on what you can afford.
All of your interest and charges are frozen.
By Law your creditors are no longer allowed to contact you in any way.
As a homeowner your property is taken into account, however you will not lose it.
It is a private and confidential legal agreement, between you and your creditors, allowed
under government legislation.
You pay the affordable monthly amount for 60 months, and at the end of that period any
debt remaining is completely written off.

Debt Management Plan (DMP)

One reduced monthly payment.
Negotiations happen with your creditors to try and stop your interest and charges.
Allows you the flexibility to deal with your creditors in a way that suits you.
Removes the hassle of dealing directly with your creditors.
An option that will allow you to become debt free.

Re-Mortgage & Secured Loans (Homeowners only)

By using the equity in your home you could pay off some or all of your debts.
You could reduce your various payments, to one, more affordable monthly payment.
However, you must always think very carefully about securing further debts on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Debt Management Plan (DMP)

One reduced monthly payment.
Negotiations happen with your creditors to try and stop your interest and charges.
Gives you the flexibility to deal with your creditors in a way that suits you.
Removes the Spelt Hassle of dealing directly with your creditors.
An option that will allow you to become debt free.

Re-Mortgage & Secured Loans (Homeowners only)

By using the equity in your home you could pay off some or all of your debts.
You could reduce your various payments, to one, more affordable monthly payment.
However, you must always think very carefully about securing further debts on your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.