IVA Help and Advice Write off Debt Services Debt Free Birmingham London




















Unmanageable Debt?

0121 270 7361

07970 828 369

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Heavily in debt?   Cannot afford to pay your lenders?  >>>>>   Write off up to 75% of your debt

IVA Help and Advice

IVA (Individual Voluntary Arrangement)

An IVA is an alternative to bankruptcy that could help with unmanageable debts. If you have a lot of debt that you simply can't afford to repay, an IVA could be just the help you need.

An IVA is an agreement with your creditors to pay all or part of your debts. You agree to make regular payments to an ‘insolvency practitioner’, who will divide this money between your creditors. Up to 75% of your debts could be written off.

An IVA allows you to offer your creditors what you can afford. Your living costs are taken into account and you then offer whatever is left to pay your debts. Immediately on setup your monthly debt payments will be lower as lenders accept reduced payments.

Using an IVA:

· You make affordable monthly payments that fit around your budget

· You only repay what you can realistically afford

· You will be debt free in 5 years and your job will be unaffected

· Your home won't be at risk of being sold - unlike with a bankruptcy

So if you have debts of more than £15,000 to at least two different lenders and you find the monthly payments difficult to pay, an IVA could be for you.

For further details call us for a free consultation.

Tel:  0121 270 7361

Cell: 07970 828 369


116 Oscott School Lane

Old Oscott

Birmingham B44 9EN


For a free confidential assessment please call James & Co, Chartered Certified Accountants

James & Co is the trading name of James & Co Consultants Ltd,  a company registered in England No. 6025569.

Arrangements with Specialist Consultants in Bankruptcy and Insolvency

Avoid bankruptcy

Keep your home

Your job is unaffected

Affordable payments

Debt free in 5 years