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Write off up to 60-70% of your unsecured debt with an IVA. For more information call us free on 0800 16 999 46.
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Clear your debts with an IVA or Finance Management Plan

Reduce your debt problems!


Need help clearing your debts? Pay what you can afford!

If you qualify for an IVA, you could see as much as 60-70% of your unsecured debt written off, and all your interest frozen. Alternatively, a Debt Management Plan would reduce your monthly payments to a single affordable payment, and your interest may be frozen.

Remember, the sooner YOU take action, the sooner we can help you.

Money Debt & Credit is an established provider of real help and advice for anyone struggling with debt. Contact us now for free initial advice on clearing your debts.

Apply now for FREE initial debt help and advice

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IVAs

Advantages of an IVA

  • Debt free in 5 years or less (free of the unsecured debts included in your IVA)
  • An IVA provides protection from creditors
  • Interest and late payment charges frozen
  • Single affordable monthly payment
  • An IVA is a fixed, legally binding agreement


Disadvantages of an IVA

  • Minimum level of debt
  • An IVA is a formal, fixed agreement.
  • No unsecured borrowing allowed
  • Possible release of home equity
  • Credit rating affected

Debt Management Plans

Advantages of an Debt Management Plan

  • You make payments that you can afford.
  • Your payments can be reviewed every so often so that any changes to your situation can be taken into account.
  • Can be used to tide you over until your financial situation improves.
  • Interest may be frozen


Disadvantages of an Debt Management Plan

  • They are not legally binding.
  • Interest is not always frozen and, as you are in default, will continue to accrue at penal rates
  • You may never be rid of your debt.
  • You must pay your creditors in full.
  • It will be noted on your credit record.
  • Repaying debts over a longer period of time may increase the total amount to be repaid.
    Your ability to obtain credit will be affected in the short term, and possibly in the medium to long term

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Insolvency Practitioners at Money Debt and Credit Ltd act without any personal liability.
Money Debt and Credit Ltd, Registered in England & Wales No.05588842. Registered Office: 45 Clarendon Road, Watford WD17 1SZ
Consumer Credit Licence Number: 0580960