IVA
Individual Voluntary Arrangement
A formal agreement to repay what you can realistically afford over a set term, with any remaining qualifying debt potentially written off at the end.
Take Back Control of Your Finances
Free, confidential debt advice from a team that treats you with respect — never judgement. We help you understand your options and find a way forward that fits your life.
- Free & Confidential
- No Upfront Fees
- Ethical, FCA-aware Guidance
Debt Solutions
Options that could ease the pressure
There’s rarely a one-size-fits-all answer. Here are the main routes we can guide you through — we’ll only ever suggest what’s genuinely right for you.
Debt Management Plan
Flexible monthly repayments
An informal, adjustable plan that brings your debts into one more manageable monthly payment, arranged and managed on your behalf.
Debt Consolidation
One simpler payment
Bringing multiple debts together into a single monthly payment. We'll explain honestly whether it's the right move for your situation.
Bankruptcy
A fresh start
A legal route that can clear most debts when repayment isn't realistic. We walk you through the implications in plain English.
Debt Relief Order
DRO
For lower levels of debt and limited income and assets, a DRO can freeze — and later write off — qualifying debts if you're eligible.
Scottish Solutions
Trust Deed & DAS
Solutions available in Scotland, including the Debt Arrangement Scheme (DAS) and Protected Trust Deeds, tailored to Scottish law.
The right solution always depends on your personal circumstances — we only ever recommend what genuinely suits you.
How It Works
A calm, simple path forward
Getting help is easier than you might think. Here’s what working with us looks like.
We Listen
A relaxed, no-pressure chat about your situation. No judgement — just a friendly ear.
We Assess
We review your income, outgoings and debts to get a clear, honest picture of where you stand.
We Advise
We explain the options that genuinely suit you, in plain English, with the pros and cons of each.
We Support
If you choose to go ahead, we help set things up and stay alongside you every step of the way.
Why Choose Us
Support you can trust
Dealing with debt is stressful enough. We aim to make getting help feel straightforward, respectful and genuinely on your side — with honest guidance every step of the way.
Ethical Advice
Your interests come first. We recommend a solution because it fits you — never because of a target.
No Hidden Fees
Clear, upfront information about any costs before you commit. No surprises, no small print traps.
Confidential Support
Your details and your situation stay private. Speak to us openly, in complete confidence.
Experienced Team
Friendly, knowledgeable advisers who take the time to understand you and explain things clearly.
Client Stories
What people say about us
Real stories from people we’ve helped take back control of their finances.
“From the very first call I felt listened to rather than judged. They explained all my options clearly and, for the first time in months, I feel like I can breathe again.”
“I'd put off getting help for so long. The team made everything simple and never once made me feel embarrassed about my situation. I only wish I'd picked up the phone sooner.”
“Honest, patient and genuinely helpful. They talked us through everything and let us make our own decision in our own time. We couldn't recommend them more highly.”
“After years of juggling payments, they helped me set up a plan I can actually afford. Having one manageable payment each month has taken a huge weight off my shoulders.”
“I was so nervous about picking up the phone, but the adviser was warm and completely without judgement. They walked me through every option in plain English and never rushed me.”
“Clear, kind and no pressure at all. For the first time I understand my finances and have a realistic path forward. I only wish I'd reached out to them sooner.”
FAQs
Questions people often ask
Can’t see your question? Get in touch — we’re happy to help.
An Individual Voluntary Arrangement (IVA) is a formal agreement between you and the people you owe money to. You make one affordable monthly payment over an agreed term, and any remaining qualifying debt may be written off at the end. Whether it’s right for you depends on your circumstances.
Simply talking to us for advice does not affect your credit rating. However, some debt solutions themselves can be recorded and may affect your ability to obtain credit in the future. We’ll always explain the likely impact before you decide anything.
Yes — your initial consultation and advice are free and come with no obligation. Depending on the solution you choose, fees may apply later, and we’ll always make any costs clear before you commit.
People come to us with all sorts of situations, big and small. If you’re feeling worried about money, it’s worth a conversation — there’s no minimum for a friendly chat about your options.
Your conversations with us are confidential. Some formal solutions may appear on public registers or involve third parties, and we’ll be upfront about anything like that so there are no surprises.
Just reach out however feels comfortable — call us, message us on WhatsApp, or fill in the short form below. We’ll take it from there at a pace that suits you.
Get in touch
Speak to us — free and confidential
However you’d prefer to reach us, we’re here to listen — with no pressure and no judgement. Choose whatever feels most comfortable for you.
- Free, confidential initial advice
- No obligation to proceed
- Friendly, judgement-free team
Call us0330 027 0161WhatsAppMessage our teamEmaildebthelp@resoluteservices.co.uk
Visit or write to usGarfield House, 165-167 High Street, Rayleigh, England, SS6 7QA
You can also use the quick-contact buttons in the bottom corner of the screen at any time.