An IVA is a formal agreement between you and your creditors to repay your debts over a fixed period, usually five to six years. It’s a legally binding contract that allows you to make affordable monthly payments based on what you can afford, while also protecting you from further legal action by your creditors. Our experienced team will work closely with you to assess your financial situation and negotiate with your creditors to create a manageable repayment plan.

One of the key benefits of an IVA is that it provides you with a clear path to becoming debt-free. By consolidating your debts into a single monthly payment, you can avoid the stress of juggling multiple payments and focus on making progress toward your financial goals. Additionally, an IVA can help protect your assets, such as your home or car, from being repossessed by creditors.

At Citizens Care, we believe in transparency and communication every step of the way. We’ll take the time to explain the IVA process in simple terms, ensuring that you fully understand your rights and responsibilities. Our goal is to empower you to take control of your finances and build a brighter future for yourself and your family.

If you’re ready to take the first step towards financial freedom, contact Citizens Care today to schedule a consultation. Our compassionate team is here to support you on your journey to a debt-free life.