Debt Consolidation Programme


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Debt Consolidation Programme

Debt Consolidation Programme: The Way Out of your Debt (Without More Debt!)

Apply For The IVA or Debt Relief Plan For Your Own Circumstances

Independent Advice. No Bankruptcy. No loss of Dignity.

An IVA is a type of debt consolidation programme set up to provide a solution to the problem of personal debt and to deal generally with the issue of individual insolvency. IVAs are never designed to be one-size-fits-all cures to any debt problem, because individual circumstances can vary so much.

The needs of one household or one individual can be very different from the needs of the next. Any debt consolidation programme advice given must reflect the diverse nature of the situation people find themselves in.

An IVA writes off the larger part of a person's debt at the beginning of the plan (although be wary of the exaggerated claims made in some circles: it is rarely more than 60 or 65 percent of total unsecured debt which can be 'written off' in this way). All good IVA advice of this sort will make sure that you get the optimum results with the lowest repayments together with the highest percentage of debt write-off.

Most people say that IVAs are the best type of debt consolidation programme because of their advantages over all the other types. But not everyone is qualified to get an IVA. So fill in the form below for independent and impartial advice for your own situation.

If you have at least two accounts in debt, and total debts of £2,000 or more, use the form below to see if you qualify. (If you owe less than this, or are on state benefits, then use this link to apply.)

















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Please be aware that figures entered need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and inrelation to any specific circumstances that may relate to you. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.

Consumer Credit Licence number 633327.

Debt Consolidation Programme



In order to be eligible for a debt consolidation programme the applicant has to be able to show a nett income in excess of a certain minimum and have arrears of more than a certain sum and not greater than a specified maxima, and these figures may change from one insolvency practitioner to another. Usually earnings should be proved to cover the cost of the repayments after other necessary bills have been paid such as mortgage payments and electricity and gas, etc. The average minimum debt is around 2,000 although this figure can vary. A top value of 50,000 is sometimes given, though by making use of a broker the applicant will be shown best source to deal with their own particular situation.

A number of disciplines have grown up surrounding aspects of failure, including the legal profession and newer professions including such diverse types as insolvency practitioners. All such experts have their part to play. Each will have their own area of expertise which you should make use of as appropriate. Making use of a debt consolidation programme will make your recovery from insolvency quicker and easier to bear.

A great advantage of such an arrangement is that it may instantly cut thedebt by a large percentage. This great reduction in debt makes a considerable difference and is the main thing that differentiates an IVA from a normal debt relief programme. Therefore folk seeking debt reduction programmes should apply for one of these rather than a standard debt relief program on all occasions.

A debt consolidation programme will usually be drafted by a qualified insolvency practitioner and shall be made specifically to cover the specific requirements of the client. There is no typical method to such things as every state of affairs differs, and some are vastly different. The insolvency practitioner will draft the optimum programme in accordance with the client's individual situation and then set up a programme of repayments usually for 5 years, although in some situations this may change.

A debt consolidation programme is a legal instrument and most people would jump at the chance of entering into one as it is bound in law and discharges the client from all debts when the agreed term has been concluded. It is a more benign resolution to long-term debt than other harsher instruments such as making the debtor bankrupt and it carries none of bankruptcy's stigma.

All governments attempt to rescue people who are suffering from debt in various ways. There are recognised schemes like IVAs and CVAs to assist in the methods of corporate and personal debt recovery and to try and palliate what is always a highly difficult process, and clearly a debt consolidation programme is involved in this. The aim is intended to be towards safeguarding personal resources if at all possible and also in protecting the property of individuals by legal means. This takes into account both private property and also the assets of businesses on which the wealth of individuals depend.





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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.


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