IVAs (also known as Protected Trust Deeds in Scotland) Escape from your Debt Problem If you have debts over £15,000 and you or your partner have a regular monthly income you may qualify for an IVA (Individual Voluntary Agreement) (For debts of less than £15,000 click here for our other debt management solutions) Enquire         If you qualify for an IVA we could:   How an IVA works:     Reduce your debt to one affordable monthly payment - giving you space to sort out your life Deal with the people who owe you money and may have been hassling you - no more nasty letters and phone calls, or visits from bailiffs Write off what you can't afford to repay Clear your debt in 5 years or less Enquire   An IVA (or Trust Deed in Scotland) is a recent legal innovation. It is a legal arrangement between you and your creditors. You pay an agreed monthly sum that is divided between your creditors. They accept this in settlement of your debt. We ensure your monthly payment is affordable for you after assessing your situation We negotiate with your creditors for you - no more hassle from them. After the IVA is approved all parties are legally bound by its terms. You ensure you pay your month sum. After a fixed period (usually 5 years) any outstanding debt is legally wiped clean - you are free from debt. (iva faqs....>) (trust deed info....>)                   IVA ENQUIRY FORM FREE, impartial and independent advice with no obligation: Your Title   Please select Mr Mrs Ms Miss   What is you level of debt (£)  If it less than £15,000 you need our debt management service Your First Name     Your Surname     How many creditors do you have?   (i.e. the number of organisations you owe money to) If you have less than 3 creditors then see our debt management service Postal Address (UK Only):   House number/name     Monthly net income?  A minimum of £1000 is needed otherwise Smart Money Group can help Street     Town/City     What is the best time of day to call you?   Please select Anytime Morning Afternoon 8am - 10am 10am - 12pm 12pm - 2pm 2pm - 4pm 4pm - 6pm County     Post Code   (eg.SY10 4DB)   Any additional information?   Daytime phone     Mobile phone        The information I submit is used for the sole purpose of meeting my immediate needs for the provision of an IVA. My enquiry will be handled by a specialist independent organisation. By submitting my details I consent to them contacting me regarding my enquiry. I understand that I am under no obligation whatsoever, and that my enquiry will cost me nothing. I may cancel at any time until the point of completion. I consent to Affiniti Digital Media Ltd occassionally contacting me with other products and services that may be of interest Evening phone     I confirm that I have read and accept the statement above   no yes Email address     We'll email you confirming safe receipt of your application. You will be contacted as per your requested "best time to call".

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