An IVA gives people with larger unsecured debts an opportunity to clear their debt in a reasonable time frame. It allows you to make an affordable regular payment for a fixed period of time (usually five years), after which the remainder of your debt is written off. This payment is a reflection of what you can afford and is calculated by ensuring you have enough money available to meet your priority expenditure

If the IVA is agreed, your creditors cannot apply any charges to your accounts or make any attempt to contact you. You are completely protected during the entire process. An IVA is a legally binding agreement between you and your creditors. An Insolvency Practitioner is assigned to undertake all of the work on your behalf*.

Hopefully we've answered the question 'What is an IVA?' but If you would like more information, or to find out if you qualify for this service, please call and speak to one of our trained advisors in confidence on 0161 865 8400 or apply online below.

Debt Management Plan

Consolidate your unsecured debt in to one affordable monthly payment. An informal, flexible and confidential plan tailored to suit your needs. Make one payment per month to Dexter Bell Associates rather than managing several unaffordable payments to creditors. Pay your debt back at a rate YOU can afford.


Make one affordable monthly payment rather than several payments to your creditors.

We negotiate reduced payment plans with your creditors and distribute your payments to them on your behalf.

We negotiate where possible to freeze or reduce interest in order to repay the debt in the quickest time possible.

You will have one point of contact. We will deal with any queries on your behalf, keeping contact from creditors to an absolute minimum.

The plan is flexible to meet your needs. If your circumstances change for any reason the plan can be adjusted to suit your new situation.

Flat rate monthly management fee of just £35.00 and no set up fees.


If you do not complete your plan your debt will not be cleared.

Secured debts such as Mortgages can not be included in the plan.

A Debt Management Plan will have an adverse effect on your credit rating.

In the vast majority of cases creditors agree to the plan and freeze or reduce interest. However, they are not obligated to do so and could still contact you.

Why choose a Debt Management Plan....

We know being in debt can be very stressful which is why it's important to seek advice from a trusted debt advice provider.

Dexter Bell Associates Ltd was founded in 2002 and are one of the longest established debt advice providers. We  have advised thousands of people  and continue to offer best advice to people in financial difficulty

One affordable monthly payment

to cover all of your unsecured debt

We negotiate to freeze interest

and any additional charges where possible

It's flexible to suit your needs

your plan can be altered if things change