Types of debt - Your Debt Expert

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To find out more about managing your money and getting free advice, visit Money Advice Service, independent service set up to help people manage their money.

* A debt write off amount of between 25% and 75% is realistic, however the debt write off amount for each customer differs depending upon their individual financial circumstances and is subject to the approval of their creditors. The example provided of 81% has been achieved by 10% of our customers in the last 12 months.

Your Debt Expert is a trading style of Creditfix Limited, company number 432293. Creditfix Limited is a registered data controller, registered with the Information Commissioner’s Office (ICO); registration number Z2445731.

Address – Avonlea, Demesne, Lucan, Co Dublin
IP Number – 9287
Data Protection – Z2445731
Company number 432293

David Rankin, Lucy Griffin, Katy Walker and Tracy Whittaker are authorised in the UK to act as Insolvency Practitioners by the Insolvency Practitioners Association.

This website (https://www.yourdebtexpert.com) is in no way approved by the Government. However, the product (IVA) which we specialise in and is processed and managed by 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 his/her creditors to pay his/her debts in full or in part over time as an alternative to bankruptcy. Our advisors will be able to 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. For full details view our privacy policy. Your Debt Expert is a trading style of Creditfix Limited. 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. Monthly IVA payments include fees and may differ to the example provided, based on the assessment made of your personal circumstances. These fees will be clearly explained to you in writing by your advisor. Debt write off amounts are subject to creditor acceptance and vary by individual.