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Debt Product Information Libraries

Welcome to Debt Product Information Libraries which contains further information and FAQ's on debt money matters and financial product and key facts about all products featured on


Information Libraries

If you are experiencing demands from lenders to make debt repayments that you cannot afford, difficulty meeting day to-day living expenses and you are stressed about your financial situation it is worth exploring the various debt management products that are available to you. Whether an Individual Voluntary Arrangement or Debt Management plan is ‘better’ wholly depends on your individual circumstances. Both are designed and effective in helping make unsecured debt more manageable but in very different ways. It is important to ask yourself a few questions before you decide whether an IVA or Debt Management Plan (or indeed an entirely different solution) would benefit your needs.

How much debt are you in? Are you a homeowner? And what is your credit rating? Are important things to consider when you look at the best solution for your situation. Which Way To Pay has a wealth of information in the information library to help you decide which is the best choice for you and you should not rush into this decision. You can use the comparison grid to decide which company would best suit your requirements. If you are in any doubt then you should seek independent financial advice. If you don’t think that an IVA or debt management plan is right for you, there are some other debt solutions that you can consider.

Be aware, both debt management and IVAs damage your credit rating, with an IVA having a more severe effect (for six years from the date your IVA started). It is worth remembering that you credit rating would probably have been damaged anyway if you had continued to struggle to repay your debt repayments each month.


Please Note: is not authorised to give advice under the Financial Services and Markets Act 2000.

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