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Free debt advice is available from MoneyHelper, which offers debt counselling, debt adjustment and credit information services at no cost.
An Individual Voluntary Arrangement (IVA) is subject to meeting qualifying criteria and creditor approval. Initial advice is free and there is no obligation to proceed. Monthly IVA payments include fees and depend on an assessment of your personal circumstances; all fees will be explained to you in writing. Any amount written off depends on creditor acceptance and varies from person to person.
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