If you have a substantial amount of unsecured debt, usually around £12,000 or more, an Individual Voluntary Arrangement (IVA) could be your best solution.

A solution for those with debts over £12,000, an IVA is a legally binding agreement that could help you clear your debts and avoid the consequences of bankruptcy.

At Noble we able to advise you and provide information on IVA's (Individual Voluntary Arrangement) as part of our ongoing goal in helping people become debt free. This will only be advised if it is the correct and ethical solution for your circumstances.

Due to the nature of an IVA, the facilitation and management of the IVA is done through a Licensed Insolvency Practitioner which we will provide for you.

Just pick up the phone and dial 0800 978 8486 for confidential advice on getting out of debt today.

• 100% confidential help and advice.
• Write off the unsecured debt you can't afford to repay.
• Protects you from further action by your creditors, who legally bound by the terms of the agreement.
• We will advise you of the best solution for your personal circumstances.
• One lower more affordable monthly or weekly payment.
• interest and charges are automatically stopped.
• A dedicated single point of contact, reachable by phone, text and email.
• Real alternative to bankruptcy.
• No Public notices - A trust Deed is between you and your creditors ONLY.
• Fully trained staff with years of experience.
• Licenced under the Consumer Credit Act.

You’ll know exactly how much you pay each month.

Best of all, you’ll know exactly where you stand, exactly what you have to pay each month - and for how long.

We are here to help whatever your circumstances are. Whether you’re suffering with illness, going through a divorce, lost your job, are starting a family or have just over-committed yourself, these can all make our debts get out of control.

If you live in Scotland the equivalent of an IVA is a Trust Deed and can be suited for those with debts of at least £10,000.

To speak to an adviser about whether you’re suitable for an IVA or Trust Deed, complete our online form on this page or call us on 0800 978 8486 for a free, personal consultation.

Protection from your creditors.

As the IVA is legally binding, once it has been accepted your creditors will be unable to pursue you for any debt. All unsecured debts that you cannot afford is written off after completing your payment term. (Usually 5 years).

However, if your personal circumstances change at any time during the term of the IVA, we can review your programme accordingly and implement any changes necessary on your behalf without penalty.