IVA Case examples

Below are some examples of how we have helped people with their debts.

client with Debt Level of £19,000

Debt Reduction Example

Client was struggling to pay £560 per month on debts of £19,000. They were barely covering minimum repayments and couldn't even afford those. We were able to reduce payments down to a manageable £250 for 60 months.

After 60 months they became debt free. Any remaining debt was legally written off. They repaid £15,000 and wrote off £4,000.

client with Debt Level of £26,850

Debt Reduction Example

Client with debts of £26,850 who couldn't afford the monthly payments of £680. We were able to get the payments reduced to £280 per month.

After 60 monthly payments they will be debt free with £16,800 of their debt paid off and £10,050 of their debt written off.

client with Debt Level of £18,300

Debt Reduction Example

Client was unable to meet the monthly payments of £430 per month on debts of £18,300. After analysing their situation we concluded that they could afford to pay £240 per month towards these debts. We negotiated this payment with their creditors.

They paid the agreed amount for 60 months and on completion, £14,400 of the debt was repaid with £3,900 written off.

client with Debt Level of £15,990

Debt Reduction Example

Client was struggling to pay £390 per month on debts of £15,990. We got the monthly payments down to £210 for 60 months. All interest and charges were completely frozen.

After 60 months they will become debt free, repaying £12,600 and wrtiing off £3,390.

client with Debt Level of £46,060

Debt Reduction Example

Client was struggling to pay £870 per month on debts of £46,060. We were able to reduce payments down to £390 per month for 60 months.

After 60 months they became debt free. Any remaining debt was legally written off. They repaid £23,400 and wrote off £22,660.

client with Debt Level of £17,540

Debt Reduction Example

Client was unable to pay the £590 per month on debts of £17,540. We managed to get the payments reduced to £230 per month for a period of 60 months.

After 60 months they became debt free. Any remaining debt was legally written off. They repaid £13,800 and wrote off £3,740.

client with Debt Level of £37,320

Debt Reduction Example

Client with debts of £37,320 in total, was struggling to pay £830 per month. We were able to reduce payments down to £310 per month for 60 months.

After 60 months they became debt free. Any remaining debt was legally written off. They repaid £18,600 and wrote off £18,720.

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Gave me help advice and confidence to deal with a very large and stressful financial situation that I could see no way out of. Many thanks. | Client review

debt information NI

Unsecured Debt

Most of the calls we receive are about unsecured debts which are debts such as credit cards, loans, payday loans, store cards and overdrafts... We specialise in helping people with these types of debts by offering insolvency solutions that can help you reduce payments to make them affordable...

Mortgage Debt

Your rent or your mortgage is one of the most important bills you will ever pay. It’s the one thing that provides you with shelter. When you run into difficulties with paying your rent or mortgage it can be very scary. It is important that you seek help as soon as possible. We may be able to help you...

Job Loss

When you're facing redundancy or losing your job, the first thing you worry about is how you’re going to have the money to live, never mind if you have debts or other bills to pay. We may be able to help if you are facing employment difficulties and can longer afford to pay your debts...

Business debt

If you are an NI business owner having difficulty keeping up with debts and it's affecting the running of your business, then we may be able to help. We specialise in providing insolvency solutions for people who are self employed and need help recovering from the close of a business or to stop their business from going under...