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£20,000 :
£30,000 :
£40,000 :
£50,000 :
£60,000 :
£70,000 :
£80,000 :

What does IVA stand for?
What does DMP stand for?
What are creditors?
What is an IVA?
How long does an IVA last?
Who agrees to the IVA?
How quickly can I get an IVA?
How much will I have to pay my creditors?
How much will it cost me?
Will I need to meet my creditors?
Do I have to pay creditors directly?
Who knows about my IVA?
Will I get a bad credit rating?
What if I have CCJ’s (judgements)?
What if I can’t make the agreed payments into the IVA?
What if I need to change the IVA once it has been agreed?
Will I have to go to Court?
It sounds too good to be true. What is the downside?
What happens to the rest of the debt that I don’t pay in the IVA?

Associates :
Bankrupt :
Bankruptcy :
Bankruptcy Restriction Order (BRO) :
Charging Order :
Composition :
Cover Schedule (aka Bond) :
Creditor :
Creditors' Committee :
Extortionate Credit Transactions :
Income Payments Agreements (IPA) :
Income Payments Order (IPO) :
Individual Voluntary Agreement (IVA) :

Clients Who Owed Up
To £30,000 :

Julie : Owed £18,000 :
Janet : Owed £19,000 :
Mark : Owed £19,000 :
Nicola : Owed £24,500 :
Tom : Owed £24,500 :
Barbara : Owed £25,000 :
Mark : Owed £28,000 :
Jayne : Owed £30,000 :

Clients Who Owed Up
To £40,000 :

Catherine : Owed £31,000 :
Ian : Owed £32,000 :
Pat : Owed £33,000 :
Clive : Owed £33,500 :
Dave : Owed £33,500 :
Julia : Owed £34,000 :
Tina : Owed £34,000 :
Steve : Owed £35,000 :
Roger : Owed £37,000 :
Jill : Owed £38,000 :
Kerry : Owed £38,000 :
Michael : Owed £38,500 :
Ron : Owed £40,000 :

Clients Who Owed Up
To £50,000 :

Ian : Owed £42,000 :
Matt : Owed £44,000 :
Phil : Owed £44,000 :
Terry : Owed £46,500 :
Yvonne : Owed £47,000 :
JD : Owed £48,000 :
Penny : Owed £48,000 :
Mike : Owed £49,000 :
Paul : Owed £50,000 :

Clients Who Owed £50,000
To £100,000 :

Ade : Owed £51,000 :
Ralph : Owed £54,000 :
Iris : Owed £57,000 :
Grant : Owed £65,000 :
David : Owed £68,000 :
Mark : Owed £68,000 :
Paul : Owed £71,000 :
Emma : Owed £79,000 :
Jason : Owed £85,000 :
Stuart : Owed £85,750 :
Nicholas : Owed £88,000 :
Joan : Owed £95,000 :
Paul & Angela : Owed £99,000 :
Jim : Owed £100,000 :

Clients Who Owed Over
£100,000 :

Dudley : Owed £107,600 :
Jim : Owed £109,500 :
Simon : Owed £136,000 :
Val : Owed £136,500 :
Jason : Owed £148,000 :
Andy : Owed £160,000 :
Tim : Owed £250,000 :

Survey 1 : January 2nd to March 13th 2006 :
Survey 2 : March 14th to July 11th 2006 :