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    • Category: Common IVA Misconceptions

    Bankruptcy or an IVA?

    IVA vs Bankruptcy

    If you are in financial difficulty, then there are several options available to you. Two of these options are bankruptcy or an IVA (Individual Voluntary Arrangement). As with all solutions to debt there are benefits and consequences to both and you need to be aware of these so that you can make an informed decision. […]

    An IVA – What are the considerations?

    We think that in the right circumstances an IVA is a good way to help you with your debt. But you need to fully consider the consequences before you go ahead. When you’re in debt there is a weight on your shoulders, you can feel it affecting every part of your day. So, when there […]

    Things to know about an IVA

    Find out all of the key details about An Individual Voluntary Agreement (IVA), do you qualify, how do you set one up? Is it right for you?

    The Debt Advice Service is a trading style of Pacific Financial Solutions Ltd which is authorised and regulated by the Financial Conduct Authority FRN 688034 and is registered in England & Wales, Registered Office: Ram Mill, Gordon Street, Chadderton, Oldham, England, OL9 9RH. Company number 09404359. ICO registration number ZA207735.
    All information and advice provided by Pacific Financial Solutions Ltd is provided free of charge. However, depending on your chosen debt solution we may pass your details and supporting information to one of our partners / a selected 3rd party to provide you with a service and we may receive remuneration in respect of the work we have done.
    For completeness, if you decide to pursue an Individual Voluntary Arrangement (IVA) one or more of our in-house Insolvency Practitioners (IPs) may act Jointly as Nominee with an IP of another partnered firm and we will receive remuneration for providing that service.
    Our in house IP is Jason Bowen who is authorised to Act in the UK by the Institute of Chartered Accountants of Scotland (ICAS). Licence no. 22150.
    Insolvency Practitioners are bound by The Insolvency Code of Ethics in respect of all work relating to Insolvency Appointments.

    *Texts to our short-code SMS number will be charged at your standard network charge. You will not be charged for any replies. By replying “HELP” you agree to receive phone calls, SMS and Email to discuss our services in more detail.

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    "This has been a massive weight off my shoulders"

    Are you ready to do something about your debts? Don’t spend another day ‘thinking’ about it. Take control of your finances by clicking the link below and filling in the short form.Money Helper LogoPacific Financial Solutions trading as The Debt Advice Service is authorised and regulated by the Financial Conduct Authority.
    For free advice go to Moneyhelper.org.uk – we are not associated with Money Helper.
    If you enter a solution with TDAS fees may apply.
    With your consent we may pass your details onto third party solution providers.
    Credit rating may be affected, T&Cs apply.  Our Licenced Insolvency Practitioner is Jason Bowen. Licence no. 22150

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