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Common Questions

Debt Management

  1. Can anyone take out a debt management plan?
  2. Does the company take any of the money I pay?
  3. What if I have difficulties while in the agreement?
  4. How long will a debt management plan last?

IVAs

  1. What criteria must be met to take out an IVA?
  2. Some of my debt can be written off but how much?
  3. I own my own house; would I have to sell it?
  4. Can I apply for an IVA if I have CCJs against me?
  5. Do my creditors have to agree with the IVA?
  6. What happens after I take out the IVA?
  7. How long does it take to begin an IVA?
  8. What other options do I have if I don't qualify for an IVA?
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This is the total of unsecured debt you have including credit cards and all types of unsecured loans, but excluding mortgages and secured loans.

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Your monthly net income should reflect your total household income including:

  1. child benefits
  2. tax credits
  3. pension
  4. regular bonus
  5. child maintenance payments

Note: Does not need to be exact.

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Your monthly expenses should include:

  1. utility bills
  2. food
  3. clothing

but exclude payments to credit cards or any other debts you have.

* Mandatory field
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