• business Government Legislation could reduce your debts by up to 80% *

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  • Helping People In Debt Since 2007

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Start to get debt free

Thousands of people in the UK are struggling with debt, which can be very stressful. So getting the right information should be very important to you. All debt problems can be solved, so if you' re struggling with debt, try not to worry, but do not ignore your problem it's vital to take action now and get in control of your finances.

UK Legislation is in place to help. Talk to one of our UK based debt specialists today and find the debt solution that's right for you

So what is Government Debt Help and how does it work?

Individual Voluntary Arrangement's (IVA) were first introduced by the Government in the 1986 as an alternative to bankruptcy. They were put in place to help anyone in serious debt and finding it difficult to make their monthly payments and are the now the most popular formal solution to clear debt.

An IVA is a formal agreement with your creditors (the people you owe money to) where you agree to pay only what you can realistically afford, taking into account your living expenses and monthly income. This is paid as a single monthly payment, usually over a period of only sixty months. At the end of the period any remaining debt is written off and you owe nothing, this can be as much at 85%* of your debt being written off.

The following is an example of how an IVA could help you.

Example Debts

  • Credit Card: £8,000
  • Store Card: £3,000
  • Bank Overdrafts: £1,000
  • Personal Loans: £8,000
  • Payday Loans: £4,000
  • Council Tax: £1,000
  • Furniture Credit: £1,000
  • Total Owed: £26,000

Your Monthly Payments

Before IVA
(total contractual repayments)
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With IVA
(total contractual repayments)
Recuced by

To learn more about IVA's and check if you qualify, chat with a IVA specialist today.

What Debts Can You Write Off?

See if you qualify for an IVA and receive these benefits

  • check_circle Write off up to 80%* of your debt

  • check_circle No contact with your creditors again

  • check_circle One monthly payment for all your debts

  • check_circle Instantly freeze interest & late payments

  • check_circle Government backed scheme

  • check_circle Keep assets like your home & your car

Check If You Qualify Today


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Helping people in debt since 2007

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*An IVA (Individual Voluntary Arrangement) is subject to acceptance. Debt write off applies to unsecured debts and on completion of an IVA. In some IVA’s up to 80% of the debt can be written off. The amount written off will depend on your circumstances, income, assets and the current write-off policy of your creditors. Levels between 25% and 80% are realistic, depending on your ability to repay.

At Debtcentres.co.uk we do not give advice. On completion of our form, we will introduce you to Hanover Insolvency Limited (Hanover). We use the contact details you have given us on the form to make this introduction. We may receive a commission for this introduction.

Hanover do not administer or provide advice solely relating to debt management products, such as Debt Management Plans or Debt Payment Plans under the Debt Arrangement Scheme. They only provide advice after completing or receiving an initial fact-find where the individual(s) concerned meets the criteria for one of their insolvency solutions, therefore all advice is given in reasonable contemplation of an appointment.

Subject to income and expenditure calculations and personal circumstance.

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