0161 672 8990

It's all about teamwork

With Freeman Jones, you’ll have a whole team of experts dedicated to making your IVA a success.

They're there to deal with your lenders, handle the paperwork, answer your questions and help you with everything from bills to budgeting.

Our excellent ongoing personal service is one reason why so many of our clients succeed with their IVA.

Here's how we make your IVA a success:

We’ll discuss your income and expenditure with you. That way we can work out how much your reduced payments need to be for you to be able to reasonably afford them. You'll have less money to spend whilst you're in an IVA, but we make sure that all your essential living costs are covered.

We’ll explain everything you need to know about your proposal. Our fully trained IVA advisers will answer your questions and make sure you understand what you need to do to make your IVA a success. We can do this over the phone or face-to-face; whichever you prefer.

We’ll tell your lenders about your situation and inform them that we are drawing up a proposal on your behalf.

We’ll draw up your proposal, detailing your circumstances and setting out the terms on which your IVA will be based. Once you’ve signed and returned it, we'll submit it to your creditors.

We’ll organise a meeting of the creditors, who will have an opportunity to vote on your proposal. There's no guarantee that your IVA will be accepted, but we’ll take care of the negotiations and, providing your proposal is accepted by enough of your creditors (75% by value of your unsecured debts), your IVA will officially commence.

We’ll allocate you your own dedicated Relationship Manager. They’ll be there to answer your questions or discuss any concerns you may have throughout your IVA. If you receive any letters or calls, just let us know and we'll take care of it. They’ll review your case regularly and, if you do run into any difficulties or your circumstances change, they will do what they can to ensure your IVA can continue running smoothly.

All the way through your IVA, you can count on us to do everything we can to make sure your IVA succeeds. If you start to struggle, make sure you get in touch and we'll see what we can do to put things right. If your IVA fails it could result in bankruptcy, so it's important that you let us know if there are any problems. We're here to answer your questions and handle any issues that might come up from the day your IVA starts to the day you're debt free.

You'll know your IVA is in good hands, which means you'll be free to focus on making your payments - and getting on with your life.

Is an IVA right for me?

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It's good to know:
  • We have an excellent relationship with the UK's major lenders and creditors
  • We pride ourselves on our approach to great customer service
  • Each month 1000s of people are benefiting from our help

To find out more about managing your money and getting free debt advice, visit Money Advice Service, an independent service set up to help people manage their money.

Subject to eligibility and acceptance. Fees Payable. Debt write off applies to unsecured debts only and on completion of an IVA, alternative solutions may be offered. If your IVA fails, it could lead to Bankruptcy. Your ability to obtain credit will be affected for at least 6 years. Homeowners may be required to release the equity in their property.