Why choose an IVA....

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

You could be debt free in just 5yrs

most iva's only last 5 years

Up to 80% of your debt written off

complete the IVA and all remaining debt is cleared

Protected from any legal action

no interest or charges & no legal action

IVA/Individual Voluntary Arrangement

An IVA also offers one affordable payment per month and usually lasts for 5 years. At the end of this period up to 80% of your debt is written off. An IVA is a formal agreement that yourself and your creditors enter into which offers protection from legal action.


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

An IVA offers a set time frame to clear your debts, usually five years. After this period the remaining debt is written off.

Interest and charges are frozen as long as the IVA is adhered to.

You will have one point of contact. We will deal with any queries on your behalf, your creditors will NOT contact you.

You are protected from any legal action. If you are a homeowner, your home is protected under the IVA.

All fees payable under the IVA are taken from your monthly contributions.


You will enter in to a contract for the full term of the IVA and your details will be added to the insolvency register.

Failure to complete the IVA could result in Bankruptcy.

You will not be able to acquire credit of more than £500 during the IVA.

Homeowners may have to release equity from their home.

Your credit history will be affected for 6 years.

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*.

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.

*Our IVA partner will charge for the work carried out if your IVA is accepted but the fees are included in your monthly payment.