With the help of a licensed insolvency practitioner, you work out what you can realistically afford to pay back over a period of time, typically 3-5 years.

If the majority of your creditors agree, all your debts and the future interest on them will be frozen at the time that the IVA proposal is agreed.

Provided you meet your commitments in terms of adhering to the agreed repayment schedule, your creditors will usually forego some of the debt you owe. At the end of the agreed period these debts are written off.

As long as you are confident you can maintain the regular monthly payment that is agreed, an IVA could help you become debt free in 5 years or less.

We offer non-judgemental, confidential, honest, friendly, understanding, and impartial advice about debt matters.

We understand how important it is to have someone to talk to when the going gets tough. We are here to listen and make sense of what can often be a complex and frustrating situation, and to advise even in the most difficult and confusing circumstances.

A1 Debt Solutions offer a network of Fully Trained Independent Debt Counsellors licensed under the Consumer Credit Act 1974.

When you apply for our help one of our telephone advisors will listen to your situation and if appropriate we will send an expert advisor to explain all your options in detail. Our advisors will recommend a course of action to you, depending on your personal curcumstances. These range from debt management to personal insolvency.

We give thousands of people the time and space to explore all their options, never judging, always confidential, and providing active support to people in need. Most importantly we remember that our client’s problem is our problem.