Bad Credit Debt Consolidation


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No Bankruptcy. No loss of Dignity


Best Debt Consolidation IVA


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Bad Credit Debt Consolidation

Bad Credit Debt Consolidation: The Best 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 is a debt relief program set up by government to provide a solution to personal debt and to deal generally with the growing issue of bad credit debt consolidation. We are licenced to give IVA advice and do so on the basis of the fact that Individual voluntary arrangements were never designed to be one-size-fits-all quick fixes to any problem with money, as individual circumstances can vary so much.

The needs of one person can be vastly different from the needs of the next. Any bad credit debt consolidation advice given must take into account the distinctive nature of the situation in which people find themselves.

Normally an Individual Voluntary Arrangement will be set to run for 60 months and when the term is complete all debts are cleared from a person's credit profile. During the time of the IVA no banks or debt collectors are allowed to pursue the debtor in any way. The good news as far as bad credit debt consolidation is concerned is that an IVA has the benefits of bankruptcy and none of the disadvantages.

An IVA will write off most of your debt at the start of the programme. Any decent IVA advice of this nature will ensure that you get the optimum results with the lowest repayment options together with the greatest percentage of debt written off.

So complete the application form for impartial advice which is right for your own personal 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.

Bad Credit Debt Consolidation



In order to be suitable for bad credit debt consolidation the client has to be able to demonstrate a net income which is in excess of a certain minimum amount and have liabilities of a total value of not less than a certain amount and not more than a specified maxima, and such figures may change from one insolvency company to another. Usually the income must be proved to cover the cost of the calculated repayments after other necessary bills have been discharged such as mortgage payments and council tax. The usual minimal amount of debt is about £2,000 though this can vary. A ceiling of £50,000 is given in a few cases, although by making use of a broker or intermediary the client will be steered towards the appropriate source of help to handle their own particular situation.

Most types of bad credit debt consolidation will most often be drafted to run over a period of sixty months, although sometimes this will vary from case to case. When the agreed period is over the debt is considered paid off in full and the client cleared of all debt records. All debt records which have been registered against the applicant's name and address must be cleared from the record as applicable.

One distinct advantage of an agreement of this sort is that it will instantly reduce the debt by a large amount.. This vast cut in debt burden makes a considerable difference and is one of several things that distinguishes this from an otherwise normal management programme. So anyone seeking such debt reduction programmes should apply for one of these rather than a standard debt relief programme.

Measures such as IVAs for bad credit debt consolidation are useful instruments and most people would jump at the chance of applying for one of these because it is legally binding and releases the client from all debts at the end of the term. It is a more gentle answer to personal debt than other more draconian instruments such as bankruptcy and it carries none of bankruptcy's sting.

Our economy is a very complex entity. Economists and specialists of many types try to figure out how the whole thing works as a matter of professional curiosity. It is like a huge computer. In the final analysis economics influences political imperatives and these things are largely regulated by the society in which we live. Our culture at present is underpinned by success and that usually means risk. For as long as we have this insidious aspect of risk we have also the terrible prospect of insolvency, personal and corporate. Use of IVAs for bad credit debt consolidation is designed to offset this risk to a greater degree.





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



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