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An IVA is a legally binding agreement between you and your lenders. 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 Government legislation that is designed to help you clear debt, an IVA is a formal agreement between you and your creditors and stops ALL creditor demands...

Trust Deed

Protected Trust Deed (Scotland only)

Using Government legislation, designed to help Scottish residents clear debt, a Protected Trust Deed (PTD) acts as formal agreement between you and your creditors and stops all creditor demands. This enables you to pay off your debts in affordable monthly payments over a fixed period (usually 36 months).

What is a Scottish Trust Deed?

A protected Trust Deed is a formal repayment agreement between a borrower and their lenders. It allows the borrower to repay a portion of their debt at a rate they can afford....

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