• Unlike bankruptcy, in an IVA agreement, you will rarely have to sell your home and other major assets
• Often, with an IVA you are in a much better position to negotiate an agreed settlement
• There is less stigma with an IVA agreement than bankruptcy
• There’s no requirement to advertise in the newspapers, or notify your landlord or employers of your agreement (IVA)
• An IVA is less likely to have an adverse effect on your career
• Participating in an IVA agreement will not exclude you from becoming a company director
• With bankruptcy, your assets are entirely in the hands of the presiding magistrate, therefore, bankruptcy is often more appropriate for younger people who are not home owners
• Bankruptcy can involve lengthy preparations for court proceeding's and are consequently more expensive to set up than an IVA
• The disadvantage of an IVA vs bankruptcy is that repayments can take longer

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.