Debts We Can Help With

The Debt Helpline can help you in various way, whether it is through a debt management plan or an IVA. However, there are certain debts that we can and cannot help you with. Below is a brief overview but for more in depth information you need to speak with one of our Debt Helpline advisors. Call free today on 0808 131 9113.

Debts We Can Include in Your Plan

• Unsecured/Personal Loans
• Overdraft
• Credit cards
• Store cards
• Catalogue debt.

Debts We Cannot Include in Your Plan 

• Secured loans
• Mortgage
• Hire Purchase
• Student Loan
• Council Tax
• Certain fines.

Entering into an IVA may adversely affect your credit rating for up to six years from the date of approval.

Your property will be protected within an IVA but you may be required to release all or part of any equity during the period of the arrangement.

Failure to complete the term of an IVA can result in bankruptcy.

(In Scotland, a PTD is the equivalent to an IVA.)