Citizens Advice - Debt Advice - IVA
Different ways to borrow money
There are many different ways to borrow money including credit card borrowing, mortgage and

The ClearDebt Analyser is a unique free tool which shows you your best way out of debt - whether an IVA, debt management, debt consolidation or bankruptcy. Immediate results on screen help you say goodbye to debt worries for good!
The Debt Management Comparison tool compares the likely impact of an IVA or a debt management plan on your debt and your pocket. Once you have input your real figures youll get an instant comparison for free. You might be surprised by the result!
Easy to use Debt Repayment Calculator illustrates how you can clear your debt and become debt free.
Our debt calculator illustrates the effect of a change in APR on your debts over time.
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Citizens Advice: Financial Services Bill will help debtors
(Fri, 20 Nov 2009)
The Citizens Advice Bureau has voiced its support for the Financial Services Bill, with director of public policy at the body Teresa Perchard saying that it is an “important step forward” in supporting the public in such difficult times. She went on to note that enabling organisations to bring actions on behalf of people will mean ... more >>
Debtors targeted by phone scams, expert says
(Fri, 20 Nov 2009)
Those already experiencing debt management difficulties have been advised to be wary of telephone scams that are being particularly targeted towards those who owe money. External affairs director of Equifax Neil Munroe noted that vulnerable people are convinced to part with account details and upfront payments by criminals who offer lump sums in return. “Anyone who provides ... more >>
Church of England offers help to debtors
(Fri, 20 Nov 2009)
Debtors have been offered advice by the Church of England (CofE) to help them limit their money troubles this Christmas. According to national stewardship officer Dr John Preston, creating a budget and then leaving credit cards at home and using cash to make purchases will help reduce possible debts. “Planning for an affordable Christmas starts now,” he ... more >>
Research shows Brits happier about finances
(Thu, 19 Nov 2009)
Britons are growing evermore positive about their financial futures, a new survey has revealed. According to the University of Bristol’s Personal Finance Research Centre, which carried out the study alongside Ipsos Mori on behalf of Genworth Financial, a shift towards optimism regarding monetary difficulties and the future was recorded among UK households. Almost a quarter - 24 ... more >>
Brits neglecting debt problems, survey shows
(Thu, 19 Nov 2009)
Many Britons are ignoring their debts and not making payments on their credit card balances, a new survey has revealed. According to Confused.com, the closure of one in five accounts across the UK by providers was as a result of non-payment, with those in Yorkshire appearing to be the worst at handling these debts. Joanne Garcia, head ... more >>
IVA Advice: What exactly is an IVA?
IVA Advice: How long will the IVA last?
IVA Advice: Can creditors change their minds if the IVA has been agreed?
IVA Advice: How much will the IVA monthly payments be?
IVA Advice: When is the best time to do an IVA?
IVA Advice: I am self-employed. Can I do an IVA and continue trading?
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