0161 672 8990

IVA Advice Centre

Could I have an IVA if I am retired?

You could have an IVA if you're retired, as long as you have a reasonable regular income and significant unsecured debts that you can't repay. Read article

Bringing up kids is hard enough - don't let it push you into debt too

The cost of raising a child to 18 is estimated to be as much as £143,000 - and in the current economic crisis, many parents could be taking on debt they can't afford. Read article

How long will an IVA affect my credit rating?

An IVA would affect your credit rating for six years, but it would also help you to get out of debt. Read article

What is the budget allowance on an IVA?

Freeman Jones can look at your income and expenditure and tell you what you could expect your budget allowance to be during an IVA. Read article

What should I do if a bailiff or debt collector calls at my door?

Debt collectors and bailiffs arent the same thing - and they can't operate in the same way to recover the money you owe. Read article

It's good to know:
  • We have an excellent relationship with the UK's major lenders and creditors
  • We pride ourselves on our approach to great customer service
  • Each month 1000s of people are benefiting from our help

To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA, alternative solutions may be offered. If your IVA fails, it could lead to Bankruptcy. Your ability to obtain credit will be affected for at least 6 years. Homeowners may be required to release the equity in their property.