Write Off Up To 85% Of Your Debts

  • Stop & Remove Earnings Arrestments
  • 1 Low Affordable Monthly Payment
  • Freeze Interest, Stop Charges
  • Protect Your Home & Car
  • Full Legal Protection
Check If you Qualify

Permission for Positive Debt Solutions to contact me:

* Subject to creditor acceptance * Payment subject to individual circumstances * Credit rating may be affected * Fees apply, subject to individual's circumstances. *This is for TD's/ IVA's

Individual Voluntary Arrangement


  • Realistic Debt write off of up to 85% of your total debt amount
  • All Interest Charges & Late Fee’s Frozen
  • 1 Manageable monthly payment based on your circumstances
  • Legally Protect your Assets. Including your Car, Home & Possessions
  • Insolvency Practitioner Will Deal Direct With your creditors – No more Calls, Letters or unwanted visitors to your home
  • Creditors Who Vote against your proposal are still bound by it
  • Stop Bailiff Action quickly and legally
  • Simple & Fast to set up
  • A clean start for your financial future
  • All Interest Charges & Late Fee’s Frozen


  • Creditors do not have to accept the proposal
  • Not all debts can be included in an IVA
  • Your credit rating may be affected
  • Details will be added to the individual insolvency register
  • If IVA fails there is a risk of bankruptcy and lenders can chase for the debt. Any frozen interest can be re applied.
  • Homeowners may need to release equity and a remortgage may attract higher interest rates, if no remortgage is available, the IVA may be extended for 12 months.
  • Expenditure is restricted.

What is an Individual Voluntary Arrangement?

An IVA is a legally binding agreement between you and your creditors that is designed to help people who are struggling with debts.

An Individual Voluntary Arrangement normally runs for a fixed period of 60 months with you making one affordable monthly payment to the Insolvency Practitioner who will manage your case and deal with all your creditors stopping unwanted and intimidating calls and letters.

IVA’s are not available to Scottish residents, please see trust deed page.

How can I apply?

You can apply for a IVA (Individual Voluntary Arrangement) by filling in our contact form at the top of the page or simply giving us a call and one of our friendly and experienced advisors will be in touch to offer you the best advice possible.

Total Debt Written Off – £8,100

*Typical example based on previous client *IVA example

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