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IVA Advice

An IVA can only be arranged and supervised by a Licensed Insolvency Practitioner (IP).

Many 'IVA Companies' do not have an in house IP but pass your details to a firm of Insolvency Practitioners, generally for a large fee taken from your monthly contributions.

An IP is regulated by it's governing body, in the case of X-debt the Insolvency Practitioners Association (IPA), and are duty bound to offer best advice.

Speak to an Insolvency Practitioner

If you are unsure of who you should approach to advise you on the most suitable debt solution, then please speak to an IP in the first instance, particularly for IVA advice.

We are here to help and advise you so please do not hesitate to get in touch.

Take action now. For your next step please call us on 0800 043 2424. or complete our call back form above.
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X-debt Welcomes Roomsforlet Landlords and Tenants

Tenants not paying rent?

Do you have tenants who are struggling to pay you rent on time due to other debts such as credit card, loans etc?

We maybe able to help both you and them by looking in to their finances and providing a suitable debt solution to their needs.

Re-arranging their finances so they pay a reduced monthly payment to creditors, be it in an IVA, debt management plan or other debt solution, will free up income to enable them to pay their essential outgoings such as rent payments etc.

If you feel your tenant could use some help with their debt problems, please tell them to contact us for free advice. Alternatively you could complete our Refer A Friend form and enter their details so we may contact them directly.

Struggling to meet mortgage payments?

X-debt are very pleased to welcome Landlords and Tenants from www.roomsforlet.co.uk.

We have helped a number of Rooms For Let clients overcome their personal debt problems and ease their financial worries. Rooms For Let are very kindly offering free property advertising to any landlord who contacts us for free debt advice.

Many Rooms For Let landlords register with them as they are struggling to meet mortgage and other debt repayments and look at the option of renting a room in their properties to bring in extra revenue to cover these costs. Missing mortgage payments is a very serious issue and can result in the repossession of the property by the mortgage Company and in some cases lead to bankruptcy. Whilst renting a room can help in many ways there may still be other more suitable ways to overcome this problem.

An IVA aims to protect your home and stave off bankruptcy so long as you keep to the terms of the Arrangement. In an IVA you can reduce your monthly outgoings substantially ensuring you have sufficient disposable income to meet your mortgage and other essential liabilities. Once the IVA is successfully completed, usually after 5 years, any outstanding balance will be legally written off and you will be debt free.

If you would like further advice on solving your debt problems, protecting your home and avoiding bankruptcy, please contact us here.

Alternatively, please take our Debt Test to see which option may be most suitable for you.

Any debt solution should always be considered very carefully and professional advice should be sought. Whilst X-debt offers free debt advice, fees are charged where a debt solution is undertaken. Fees are for setting up an arrangement and if appropriate, supervising the arrangement over a period of time. All fees will be outlined prior to any charges being incurred. Fees within an IVA are taken from the monthly contributions, agreed by you and your creditors and will not affect the amount you pay. X-debt complies with the Consumer Credit Act and Data Protection Act.