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The best debt solution for you

Everyone has different requirements and financial objectives - no two debt problems are the same. However, you can get an initial idea of what different debt solutions can do for you from the table below.

To see more about any particular debt solution, follow the links at the top of the table.

	IVA	Debt Management	Bankruptcy	Debt Relief Order
Will assets like my house, be protected?	Yes	Yes	No	N/A
Is interest frozen?	Yes	Partially	Yes	Yes
Will I be protected from unsecured creditors including credit card companies?	Yes	Yes	Yes	Yes
Will creditors stop chasing me?	Yes	We deal with creditors once your plan is running	Yes	Yes
Are some of my unsecured debts written off?	Yes	No	Yes	Yes
Do creditors have to cooperate even if they don't want to?	Yes	No, but most do	Yes	Yes
Is there a fixed duration?	Yes	No	Yes	Yes
Must advisors be professionally qualified?	Yes	No, but our policy is set by qualified Insolvency Practitioners	Yes	Yes
Can I continue to spend as I want to?	No	No	No	No
Can I get further credit while the solution is in place?	No	Difficult (and inadvisable)	No	No