About X-debt
X-debt is a trading name of Debts Solved Limited and performs the business of Individual Voluntary Arrangements (IVA's) and Company Voluntary Arrangements (CVA's). Trading since January 2007 we have assisted many individuals overcome serious debt problems and put their finances and life in general, back on track.
We are a small company offering a very personal service in IVA advice and free debt advice. If you use us to help solve your debt problems, then we will be on hand to answer any issues which may arise during the term and after if required.
Our Insolvency Practitioner, Angela Canning has over 20 years industry experience and is regulated by The Insolvency Practitioners Association.
Please be aware that many IVA companies do not have an in-house IP but simply pass your details to a separate company generally for a fee. Please read our warning to the right
Whilst we perform and supervise IVA and CVA cases we will advise on the most appropriate debt solution for you. Please take our Debt Test to see which option may be most suitable. A Licensed Insolvency Practitioner is duty bound to offer best advice and if an IVA is not the best possible option for you we will advise on other debt solutions such as debt management, bankruptcy, Debt Relief Order or debt consolidation.
With X-debt you can be rest assured that:
- We guarantee the best advice, free and without obligation - You make the final decision
- We treat all our clients with compassion, dignity and respect
- We are fair to creditors
- We uphold the highest standards in the industry
- Our Head Of Insolvency, Angela Canning, is a qualified Insolvency Practitioner, regulated by the Insolvency Practitioners Association and has over 20 years industry experience
- We operate during normal office hours but can be contacted at any time by email and will respond to urgent enquiries at a time to suit you. Please contact us to discuss your situation or take our Debt Test to see which option may be most suitable
X-debt – helping you to find the best way out of debt
We understand how incredibly stressful being in debt can be and that most people do not know where to turn for help. If you don't know your options, things seem far worse. And you have to be wary of bad advice – advice based on a company's profits, and not your finances! It’s easy to see why so many people become confused.
X-debt provides genuinely independent debt advice, free and without obligation. We review all your finances with you, confidentially, in order to establish your financial situation. Only then do we recommend the best approach to solving your debt problems. The final decision lies with you. In the first instance you can take our Debt Test to see which option may be most suitable.
For less serious debts we can help with budgeting advice or informal arrangements with your creditors. In certain situations, we might suggest a consolidation loan or remortgage to clear your debts – but only if this is the right solution for you. If your debts are £15,000 or more, and you’re in regular employment or have a household monthly surplus income, an IVA is often the best solution. In the case please speak to us for IVA advice.