Debt Solution Options

There is no one size fits all solution to problem debts. Therefore, when looking for good advice, it is important you speak to an organisation offering the full range of solutions.
We pride ourselves on offering all types of debt solutions. Our Debt Analyser is designed to give an unbiased assessment of the choices open to you. That is why when you speak to our advisors, you can be assured we will recommend the solution that is best for you.

The table below compares and contrasts the various solution types to solve debt problems.
Consolidation Loan Debt
Management		 IVA or Trust Deed Bankruptcy
Protection from all unsecured creditors. No No Yes Yes
Long term, likely to save money. No No Yes Yes
Avoids selling house to release equity. Yes Yes Yes No
Unsecured creditors legally obliged to write off the debt. No No Yes Yes
Creditors who don't want to help legally obliged to do so. No No Yes Yes
Arrangement runs for a fixed period. Yes No Yes Yes
Creditors stop chasing for payment. No Yes Yes Yes
Avoids the stigma of bankruptcy. Yes Yes Yes No
Stops affairs being made public in my local newspaper. Yes Yes Yes No
Stops interest building up. No No Yes Yes

Insolvency Service - Debtor Guide

Our aim is to clearly explain all options and to offer the most appropriate advice.

The following guide has been produced by the Insolvency Service with the help and support of the IVA Standing Committee. It explains the above options from a neutral point of view, detailing the pros and cons of each.

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