If you're struggling with debt and need debt help because you owe more than Â£15,000 then a Debt Management Plan may not be an option. Generally Debt Management Plans are for people who owe less than £15,000. However there are still debt help options available.

An IVA - Involuntary Arrangement - is a legal system where your debt could be joined together into one monthly payment with reduced payments every month than what you are paying now. Then, in 5 years time and subject to you making payments on your IVA, you will free from debt and will be able to make a fresh start. And remember - this is not a loan! You will not be borrowing any additional finance.

5 years may seem like a long time. However, minimum payments on a credit card of £3,000 can take between 11 and 15 years to clear (dependent on the APR). Therefore a 5 year plan, can for some people, be seen as light at the end of the tunnel and a huge relief.

By completing our simple form we can arrange for someone to discuss this with you in confidence and hopefully put you on track to getting the debt help you need.