Total Unsecured Debt

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IVA Advice


Who are X-debt?

We are a small, independent IVA debt company based in Manchester. We offer free, no obligation advice to UK individuals. If you are struggling with debt our experienced staff are on hand to help and offer peace of mind in the strictest confidence. We can advise on your debt situation and whether an IVA would be your most suitable solution. Why not contact us, if only to put your mind at ease?

Confidentiality is a priority for us and we can discuss your situation privately via email or over the telephone on 0800 043 2424 or 0161 787 3400 or complete our Contact Form here.

Are you currently in a debt management plan?

  • If you are currently making payments in to a debt management plan and have been for some time, please ask us for a free review of your finances.
  • Maybe you have been making your repayments for a number of years and can see no end to the arrangement?
  • We recommend an independent review of your financial situation at least every 12 months which would take into consideration any changes in your personal circumstances as this will give you some added peace of mind.
  • Whilst we only provide IVAs will will only recomend such a route if it is the best solution for your circumstances as the best option may be to continue with your current arrangement.

How We help You Deal With Debt

Firstly we will speak to you with compassion and calm to understand your debt situation so we are able to point you in the right direction.

It is extremely important that, whoever you choose to assist with your debts, offers an unbiased opinion and you should never feel pressured or coerced in to agreeing to an arrangement you are not comfortable with.

If you feel you have been pressured in to a solution before speaking with X-debt, please speak to us so we can put your mind at ease. We will always try to point you in the best direction for your circumstances.

Client Satisfaction

During March we asked our Clients to rate us against the following:

IVA Advice

Let us help you with IVA advice. No obligation, no upfront fees. Contact one of our experienced IVA debt advisors now.

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Free IVA Calculator

Our IVA calculator will give a reasonable idea of whether an IVA may be suitable for your situation.

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Meet The Team

Find out more about our experienced team who will assist and advise as much as possible

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Receive help now! Call Freephone 0800 043 2424 Now
Struggling with debt? Need a manageable debt solution? Click Here

Let Us Show You

An example of a customers debt and an affordable IVA solution.

Example Debts
Personal Loans £18,000
Credit Cards £7,000
Overdraft £2,000
Total Debt Owed £27,000
Amount of debt reduction if IVA completes estimated at 81%

Before an IVA solution


Over an 11 year period

With an IVA solution


Over a 5 year period

Phone 0800 043 2424 today for free expert advice!

X Debt Customers Had This To Say

"I cannot begin to express the relief I feel after 5 years of near poverty, you and your team have released me into a new world for which I will forever be grateful.

Having learnt my lesson the hard way, I can now look to the future with some confidence. I have spoken of your good work to several people in glowing terms, so highly do I rate your service."
"I would just like to say many, many thanks to you and your team for your hard work in getting my debts sorted once and for all, you have no idea how much this means to me.

I have learnt a valuable lesson over the last couple of years and as much as I wanted to use the money for other things I know I’ve done the right thing just by the way the call from Maxine made me feel."

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