Talking about debt is hard. So we've made the process as simple, private and pressure-free as possible.
Call 0161 820 1298 or fill in our short online form. You'll speak to a real, friendly advisor — not a call centre script. Nothing you tell us is shared without your permission, and checking your options won't affect your credit score.
We'll ask about your council tax arrears, any other debts, your income and outgoings. Then we'll explain every option that fits — from council tax discounts and payment plans to formal solutions like an IVA or DRO — including the pros, cons and costs of each.
If you decide to go ahead, we handle the hard part: preparing paperwork, contacting the council and creditors, and working to stop bailiff and enforcement action. If you decide not to proceed, that's completely fine too.
A licensed insolvency practitioner prepares an IVA proposal based on what you can genuinely afford each month, and puts it to your creditors — including the council — for a vote.
If creditors representing 75% of the debt value that votes approve the proposal, the IVA becomes legally binding on all of them — including any who voted against it.
You make a single affordable payment each month, typically for five years. Interest and charges on included debts are frozen, and enforcement for included debts stops.
When your IVA completes, any remaining qualifying debt — including council tax arrears — is legally written off, and you get a fresh start.
IVA costs (typically £3,650 in total) are charged for preparing your proposal and administering the arrangement, recovered only on approval from the payments you make. An IVA affects your credit rating for six years from its start date. May not be suitable in all circumstances.
Reaching out is the hardest step — and the most important one. Speak to a friendly, experienced advisor today. 100% confidential, no judgement, no obligation.
0161 820 1298 Check if you qualify online