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Can you get a mortgage with a CCJ?

Whether you’re buying your first home or looking to move, finding the right mortgage isn’t always easy. And if you have a County Court Judgement (CCJ) finding a mortgage provider can seem even more difficult. However, the good news is there is support available when applying for a mortgage with a CCJ. Here we look […]

Charging order on property? Get the advice you need

When creditors have a court order like a County Court Judgment (CCJ) against you and the court decides you should repay the money they owe, creditors can apply for a second court order called a ‘charging order’ that secures the debt you owe against property you own.’ In this blog we’ll look into what a […]

Can a CCJ be enforced after 6 years?

If you owe money you can’t or won’t repay, a County Court Judgement is a common tool creditors use to force your hand – but how long is a CCJ active for, and is there a time limit that means you won’t have to repay after a certain number of years? In this blog we’ll […]

Can bailiffs take my belongings for someone else’s debt?

One of the reasons people are so wary of dealing with bailiffs or enforcement agents is that they want to protect their families from that situation. It can be a traumatic situation, especially because so many people aren’t sure what their rights are and what bailiffs can take. In this guide we’ll explore your rights […]

*A debt write off amount of between 25% and 75% is realistic, however, the debt write off amount for each customer differs depending on their individual financial circumstances and is subject to the approval of their creditors. The example provided has been achieved by 10% of our IVA customers in the last 12 months.

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This website is in no way approved by the Government. The product (IVA) we administer through the group and process with our Insolvency Practitioners is covered under the following legislation: The Insolvency Act of 1986 (amended by the Insolvency Act 2000 and the Enterprise Act 2002) introduced a new procedure whereby a debtor could come to an arrangement with their creditors to pay their debts in full or in part over time as an alternative to bankruptcy. Our advisors will go through all your debt options including IVA (Individual Voluntary Arrangement) opportunities which are available for people living in England, Wales and Northern Ireland. Help can only be offered following an initial fact-finding process. An Individual Voluntary Arrangement (‘IVA’) is subject to the customer meeting qualifying criteria and gaining creditor acceptance. Initial advice is free and there is no obligation to proceed into an arrangement. Arrangement fees will be clearly explained to you in writing by your advisor.