Comparison Table of Different Solutions to Debt Problems

The following table provides a quick and easy way to compare the options available to you if you are in the UK and have debt problems.

Question	IVA	Debt Management	Debt Consolidation	Bankruptcy
Will my debts be cleared within an agreed period?	Yes	No	Yes	Yes
Will interest be frozen?	Yes	No	No	Yes
Will charges be frozen?	Yes	No	No	Yes
Will part of my debt be written off?	Yes	No	No	Yes
Am I protected from my unsecured creditors?	Yes	No	No	Yes
Will I be able to avoid selling my home?	Yes	Yes	Yes	No
Are all my creditors legally bound to write off the debt I cannot afford to repay?	Yes	No	No	No
Are the creditors that don't want to help me forced to write off debt?	Yes	No	No	No
Will I be seen as doing the right thing by my creditors?	Yes	No	Yes	No
Will my creditors stop chasing me for payment?	Yes	No	Yes	Yes
Do I retain control of the situation?	Yes	No	Yes	No
Is it a confidential procedure?	Yes	Yes	Yes	No
Will I avoid the stigma of bankruptcy?	Yes	Yes	Yes	No
Is the service provider a specialist in consumer debt, professionally qualified and licensed?	Yes	No	No	Yes

Forename

Surname

Phone number

Mobile number

House number

Postcode

Email address

Total unsecured credit

When should we call you?

Are you a Home owner

yes no

I have read and understood the terms and conditions

	I agree