Pay Your Bills On Time 

Becoming debt free means that you need to take control over your finances. This means that, if you do not already so so, you need to pay your bills on time every month. 

Getting a grip on your monthly bills is essential if you want to be debt free. It will also maintain or improve your credit rating.

If you are finding it a struggle to make your payments on time, the good news is that Debt Free can help. We have a team of dedicated advisors who can deal with a range of debt problems, call free on 0808 131 0039.



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Entering into an IVA may adversely affect your credit rating for up to six years from the date of approval.

Your property will be protected within an IVA but you may be required to release all or part of any equity during the period of the arrangement.

Failure to complete the term of an IVA can result in bankruptcy.

(In Scotland, a PTD is the equivalent to an IVA.)
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