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An IVA is a legally binding agreement between you and your creditors. By accepting the IVA, they’re agreeing to accept lower payments, not to pursue any legal action against you (including trying to make you bankrupt), and to write off any outstanding debt at the end of the IVA. You agree to pay as much as you can afford for the time agreed. You could be debt free in as little as 60 months.

What Is An IVA?

Using legislation that is designed to help you clear debt, an IVA is a formal agreement between you and your creditors. The IVA stops all creditor demands for those creditors that are bound by the arrangement

Trust Deed

Protected Trust Deed (Scotland only) Using legislation, designed to help Scottish residents clear debt, a Protected Trust Deed (PTD) acts as formal agreement between you and your creditors. The PTD stops all creditor demands for those creditors that are bound by the arrangement. This enables you to pay off your debts in affordable monthly payments over a fixed period (usually 48 months).

What Is A Scottish Trust Deed?

A Protected Trust Deed is a legally binding repayment agreement between a debtor and their creditors. It allows the debtor to repay a portion of their debt at a rate they can afford....

Who Are We?

Creditfix Limited is one of the largest Insolvency Practices in the UK, servicing Scotland, England, Wales and Northern Ireland. We act in over 10,000 personal cases and help thousands of new customers each year. Creditfix’s head office is based in Glasgow and we have over 60 dedicated members of staff with a wealth of insolvency knowledge and experience. Our staff are discreet and professional and will work with you to find the best solution based upon your individual circumstances.

Proud Sponsors of Glasgow Warriors


Registered Company:

Irish Office: Avonlea, Demesne, Lucan, Co. Dublin.
UK Office: 4 West Regent Street, Glasgow, G2 1RW Data Protection Registration Number: Z2445731


Creditfix is a financial services company providing solutions for those having difficulty managing monthly payments for mortgages and credit obligations.


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