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Any debt solution should always be considered very carefully and professional advice should be sought. Whilst X Debt offers free IVA advice, fees are charged where an Individual Voluntary Arrangement is undertaken. Fees are for setting up an arrangement and if appropriate, supervising it over a period of time. All fees will be outlined prior to any charges being incurred. Fees are taken from the funds paid in, agreed by you and your creditors and will not affect the amount you pay. X-debt provides comprehensive IVA advice and complies with the Consumer Credit Act and Data Protection Act. Our Insolvency Practitioner, Angela Canning, is regulated by The Insolvency Practitioners Association (IPA). Telephone calls maybe recorded and monitored.