Whether a Debt Management plan or an IVA is more suitable for you is dependent on your personal circumstances.

• An IVA is a Legal agreement, at the end of which, provided you meet all repayments, your creditors cannot take further action against you
• A portion of the debts can be written off in an IVA (up to 60%)
• An IVA normally lasts for 5 Years
• A Debt Management plan is a non binding arrangement between yourself and your creditors
• Debts are usually paid off on a debt management programme, as opposed to being written off
• A debt management programme lasts for as long as it takes to repay the full amount of the debt

Be careful of false advertising and unrealistic claims when it comes to the level of debt that can be written off with an IVA, choose your IVA provider carefully.

Both an IVA and Debt Management are tailored to suit each individual. You need to seek professional advice as to which option is more appropriate.

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.