Start to get debt free with an IVA

Trusted, Debt Management Company

Significantly lower your monthly payments

Stop creditor phone calls and letters

Stop bailiffs, by law they cannot bother you again

Interest and Charges Frozen

Pay only what you can comfortably afford to pay

Find the Best Debt Solution for You

Get a FREE Lenovo Tablet

As an ongoing commitment to helping you take control of your life and finances, when you have been accepted for a debt solution we shall send you free of charge a Lenovo tablet to help you keep a track of your financial accounts and credit file.

  • Android 5.0 (Lollipop)
  • Standard resolution display
  • Store up to 3 hours of HD video / up to 3700 photos
  • Battery life: Up to 8 hours
  • MicroSD card reader

We’re Good With Numbers

“To put yourself back in control all you need to do is show willing with an affordable amount that you can pay 60 payments of and the rest of the debt, up to 85% of it will be wiped clean, erased for ever so you can start again loaded with knowledge for the future so that you can live life on your terms, debt free and in control – now doesn’t that sound where you want to be!“

Debt Examples

Example of how an Individual Voluntary Arrangement (IVA) can help with your debt problems


Unsecured or payday loan
Credit card
Store card£2,000
Total owed£14,500
60 monthly payments£70
Total repayment£4,200
Debt written off£10,300
Percent written off71.1%

Get rid of your debt worries. Here’s how your debts could be more affordable with our help


Credit card£4,500
Payday loan£1,200
Store card£1,000
Total: £10,900

Payment Before:


Payment After:


Monthly Saving:



If you’re struggling with debt, it can be hard to know where to turn

How will our debt adviser help you?
Our debt advisers will:

Never judge you or make you feel bad about your situation (some of them have been there too!)
Always be happy to talk to you, however big or small your problem might be
Find ways to manage your debts even if you think you have no spare money
Suggest ways to deal with debts that you might not know about


You agree to pay off a percentage of your debt over a given period of time, by means of affordable repayments (normally 60 months).



A Debt Relief Order (DRO) is a way to deal with your debts if you don’t own your home, don’t have much spare income and your debts are no more than £20,000.



IN EXTREME CIRCUMSTANCES ONLY, We will assess your situation to determine if bankruptcy or another formal solution such as an Individual Voluntary Arrangement or a Debt Relief Order is your most suitable



Client Testimonials

Josh Phillip

“From the bottom of my heart I am grateful for everything they have done and sorting my finances out”.

Sophie Hampton

I was so embarrassed about the situation i found myself in but you put things into perspective for me and showed me how simple it could be – i have a future that i had almost given up hope of having – Thank you so much!

Jayne Dicken

When i think of all the years i was running from my debts, i could have paid this IVA 3 times over and been free of debt 10 years ago! thanks for showing me the light at the end of the tunnel


About Debt Advice Centre

The Debt Advice Centre is dedicated to uncompromising principles of providing the best quality advice and outstanding service ensuring that we treat every client with respect, empathy and openness to help them achieve freedom from the stress that debt brings

We work only with licensed Insolvency Practitioners with over 50 years of experience in dealing with a wide range of financial issues. Our dedicated team of advisors have developed a solid reputation from the quality of their advice and service as well as the level of care and expertise.

We have helped thousands of people with their debts find the right solutions for their circumstances. All our solutions are individually tailored to your personal financial situation, taking into account your income and outgoings taking into account any assets that you may have.

The insolvency licence holders we work with are licensed as insolvency practitioners in the UK by the Institute of Chartered Accountants in England and Wales. Company Registration Number 06619172. Data Protection Number Z1753960.

The insolvency licence holders of The Debt Advice Centre are licensed by the Institute of Chartered Accountants in England and Wales to provide insolvency solutions and are not authorised to give advice on and/or manage a Debt Management Plan.