dawson white - debt help and IVA advice specialists

Dawson White are debt advice specialists and experts in providing debt help solutions to people struggling with their consumer credit debts.

Dawson White also provide expert IVA advice and IVA help programmes for people struggling to maintain their consumer debt repayments.

By speaking with one of our trained debt & IVA specialists, we will be able to determine the most appropriate debt help solution to relieve your stress and help you to become debt free.

Following their debt advice, they may recommend a debt help solution like debt management or an IVA for clients with larger debts. An IVA (Individual Voluntary Arrangement) may be the right debt help solution for you if you have debts over £15,000. An IVA is a debt help programme that gathers all of your unsecured debts into one affordable monthly payment. By gathering all unsecured debts into one place, an IVA can make debts easier to manage. An IVA is typically paid over a fixed period, usually 60 months. Once the IVA is complete, any remaining unsecured debts are written off and you will be debt free.

With an IVA, bankruptcy can usually be avoided. Also, you would still be able to continue trading during an IVA - as in some professions (Police, Accountancy etc) you cannot work if your debt has enforced bankruptcy. You cannot be a company director if you have been made bankrupt too, however that is not the case with an IVA. Employers will also not be told about an IVA, whereas with bankruptcy it is advertised in the open press. If payments are not maintained on an IVA it can still result in bankruptcy though.

Debt management is a more informal debt help solution and can be useful for people with smaller debts. Debt management gathers all unsecured balances together into one affordable payment, which is then distributed to creditors on your behalf. Debt management allows payments to be altered according to your changing circumstances, so it is often described as a flexible debt help solution. Similarly to an IVA, debt management is not advertised in the press - so employers need never know about your debt management plan.

Debt management plans and IVAs are useful debt help solutions that enable priority payments (like mortgages, secured loans, council tax etc) to be maintained, whilst still repaying debts at an affordable rate. Through our Insolvency Practitioners, The Debt People, we are licensed to arrange an IVA on your behalf. Because an IVA is a legally binding agreement, an IVA can only be administrated by a qualified Insolvency Practitioner.

Only after our free debt advice would we recommend a debt help solution, like a debt management plan (DMP), IVA (Individual Voluntary Arrangements) or Trust Deed. Whichever debt solution we suggest, be it an IVA, Debt Management Plan or Bankruptcy, honest debt advice is at the heart of our service.

To speak to one of our IVA specialists for free debt advice, please call 0800 988 8152. Our IVA advice is free and our debt help solutions are tailored to the individual's circumstances.

All of our debt help solutions and IVA help programmes have been successfully tried and tested, and are based on your ability to pay what you can afford - not how much you owe.

For more information about Dawson White working with advice centres, please click here.

To speak directly to one of our IVA advisors for FREE debt advice or more information on debt help solutions (like debt management plans, IVAs or Trust Deeds) you can call us free of charge on 0800 988 8152 or use the online Contact us form. Our debt advice is free and our IVA help solutions are tailored to your needs.

For impartial debt advice and help with debt management, please contact one of our sister companies below: