Debt Consolidation Management


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Debt Consolidation Management

Debt Consolidation Management: 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 (Individual Voluntary Arrangement) is a debt management programme set up by the government of the day to provide rigorous debt consolidation management and deal with the issue of individual insolvency. Our clients are licenced to give Individual Voluntary Arrangement advice and do so on the basis that IVAs are not one-size-fits-all fixes to any debt problem, because each person's situation is different.

The needs of one household or one individual can vary greatly from the needs of another person. Any debt consolidation management advice given must take into account the diverse nature of the situation people find themselves in.

In general an Individual Voluntary Arrangement will be set to run for 60 months (sometimes less) and when this is over all the debts are discharged from a person's credit profile.

An instrument such as this will write off the larger part of a person's debt at the start of the programme (although beware of the claims made in some circles: it is rarely much more than 60 or 65% of total unsecured debt which can be 'written off'). Any thorough debt consolidation management advice of this nature will ensure you get optimum results with the lowest monthly repayment options together with the greatest percentage of debt written off at the outset.

So complete the application form below for impartial debt consolidation advice which is right 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 Management


One chief benefit of an arrangement of this kind is that it will immediately reduce your debt by a massive amount. This reduction of debt burden makes a huge difference and is one of several things which distinguishes an IVA from an otherwise regular debt relief plan. Therefore people looking for such a programme would be best advised to apply for this rather than a standard debt relief programme every time.

Governments try to help folk who have suffered from debt in a number of ways. There are schemes like CVAs and IVAs to expedite the methods of both corporate and personal debt relief and to try and soothe what is, after all, a highly difficult procedure, and certainly a debt consolidation management plan is involved in this. The emphasis is meant to be towards safeguarding resources wherever possible and also in safeguarding the property of individuals using legal measures. This takes into account individual assets as much as the assets of corporations.

Our economy is a highly complex entity. Economic experts and specialists of all descriptions are seeking to come to terms with how the whole thing operates on a daily basis. It resembles a huge computer. Inevitably day to day economics influences political and social needs and these things are mainly governed by the kind of society in which we live. Our society in turn is calibrated towards successful endeavours so that often means risk. For as long as we have this danger we have also to live with the terrible prospect of insolvency, both personal and corporate. Using a debt consolidation management plan or an IVA is meant to alleviate this to a certain extent.

In order to qualify for an IVA the applicant has to be able to show a salary or earnings which is in excess of a stated minimum amount and have arrears with a total value of not less than a certain amount and not greater than a specified maxima, and such values will alter from one insolvency company to another. Normally the income must be demonstrated to cover the cost of the repayments after the required bills have been paid such as mortgage and utility bills and council tax, etc. The usual minimum debt is around 2,000 although this may vary. A top value of 50,000 is sometimes given, although by using an intermediary the applicant will be steered towards the best source to deal with their individual situation.

A debt consolidation management plan such as an IVA will be usually written out by a specialist insolvency practitioner and will be made especially to address the specific requirements of the client. There is no one-size-fits-all method to these matters because all situations are different, while some situations are considerably different. The insolvency practitioner will draft the best plan for the client's own particular circumstances and draw up a schedule of payments to a central fund and this is typically over 5 years, although in certain cases this may be varied.





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


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