IVA - Individual Voluntary Agreement

We could reduce your debts by up to 70% with an IVA (Individual Voluntary Agreement) depending on your personal circumstances.

Negotiate reduced payments with creditors.

You could be debt free in 60 months.

Struggling to make all your monthly payments?
Constantly receiving pressure from creditors?
Afraid to open your post?
Unsure which way to turn?

With many years experience in Consumer Credit & Banking, we genuinely believe we can help.

We specialise in negotiating with creditors on behalf of customers to agree an affordable repayment scheme.

Please note: 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.)

For a FREE consultation, simply call 0800 954 6001

Reduce your debts by up to 70%*

Write off debts you can’t afford*

Consolidate your debts into one affordable monthly payment.

Deal with your creditors on your behalf.

Reduce or freeze interest where possible*

Reduce or freeze charges where possible*

Help you become debt free within 60 months.

We could help you today, Call 0800 954 6001

*Reducing your debts by 70% will depend on your circumstances. Subject to eligibility and acceptance. *Debt write off applies on completion of an Individual Voluntary Arrangement (IVA). Alternative solutions may be offered. Fees payable. Your ability to obtain credit will be affected in the short term and might be affected in the medium to long term. Homeowners may be required to remortgage during the term. Calls are recorded training and quality purposes.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

*SUBJECT TO STATUS. CONDITIONS APPLY. REPAYING DEBT OVER A LONGER PERIOD MAY INCREASE THE TOTAL AMOUNT TO BE REPAID. *DEBT CONSOLIDATION MAY INCREASE THE AMOUNT TO BE REPAID IN THE LONG TERM. THE ACTUAL RATE AVAILABLE WILL DEPEND ON YOUR CIRCUMSTANCES.

1st Stop Financial Services Limited, 1st Stop Debt Management are part of The 1st Stop Group. 1st Stop Personal Finance Plan is a trading style of 1st Stop Financial Services Limited. 1st Stop Financial Services Limited is authorised and regulated by the Financial Services Authority. FSA Number 479356. Registered in England & Wales. Company registration number 5667257. Registered office: 10 Whitehills Business Park, Blackpool, Lancashire, FY4 5LW. We are also licensed credit brokers. Consumer Credit Licence no 615366 and members of FISA. Calls may be recorded for training or monitoring purposes.