Our Vision
To be the most honest, transparent and trusted provider of IVAs in England, Wales and Northern Ireland.
Your Debt Advisor Limited
A trusted IVA practicewith a difference.
Straightforward, transparent support from IVA specialists, helping you understand your options and make an informed decision.
May not be suitable in all circumstances. Fees and disadvantages may apply, read here. Your credit rating may be affected.
Our Mission
To ensure that our customers receive the very highest levels of service throughout the term of their IVA.
Our Process
Once we have helped our customers make an informed decision, we manage their IVA throughout its duration.
MoneyHelper is a free service set up by the Government to help people make the most of their money. Visit MoneyHelper. Please note that we have no affiliation with MoneyHelper.
How we help
At Your Debt Advisor Limited our primary focus is helping people struggling with outstanding debts find a solution that works over the long term — one that is realistic, achievable and, most importantly, affordable.
Putting customers first
A customer centricapproach.
With a customer centric approach, we offer help and advice designed to enable you to make an informed decision on how best to proceed with managing your debts.
And we don't stop there. We will guide you throughout the process and answer any questions or queries you may have.
Help & Support
Our advisers offer help and advice that is easy to understand and jargon free.
An Informed Decision
We explain the advantages and disadvantages of the available debt solutions to help you make an informed decision.
Transparency
We offer a transparent service so you understand what to expect now and throughout the process.
Individual Voluntary Arrangements
We are IVAspecialists.
If you have debts of more than £6,000 and can afford to contribute at least £100 a month towards all of your debts combined over a fixed period of time, typically 5 years, an IVA could be a solution to consider.
Learn more about debt solutions
How an IVA works
One payment based on what you can afford.
In an IVA, eligible monthly debt obligations are combined into a single monthly repayment based on how much you can afford to pay each month, rather than simply the amount that you owe.
You do not need to split the payment and pay all participating creditors separately; this is dealt with as part of the arrangement.
Monthly repayments typically continue for a fixed period, commonly five years. Subject to the terms of the arrangement and successful completion, eligible remaining debts included in the IVA are written off.
As with any debt solution, it is important to seek professional advice before committing.
May not be suitable in all circumstances. Fees and disadvantages may apply, read here. Your credit rating may be affected.
Speak to our team
Have a question aboutyour options?
Request a no-obligation callback for an informal discussion with a member of our team.