What is the difference between an IVA and Bankruptcy?
AAn IVA consists of reasonable payments over 5 years, interest and charges are frozen, any remaining debts are written off...

What is the difference between an IVA and an Informal Repayment Plan?
An Informal Repayment plan has no time limit and can last for 10s of years, interest rates and charges are not frozen...

Why should you choose Thomas Charles?
Thomas Charles has a 99% IVA acceptance rate against a market rate of between 60% and 80%...