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www.startwithchange.co.uk is a trading style of Money Debt Advice Ltd

Registered Address: Money Debt Advice Ltd, 93 Bradford Road, Huddersfield, England HD1 6DZ

All our Insolvency Practitioners are licensed and authorised by the Insolvency Practitioners Association and bound by the Insolvency Code of Ethics in carrying out all work relating to Insolvency Appointments.

Money Debt Advice specialise in Individual Voluntary Arrangements (IVA’s). We provide information about all debt solutions but we do not provide advice.

If an individual meets the required criteria for an IVA, advice tailored to this will then be provided. If the individual does not meet the criteria for an IVA, details will be provided of third-party organisations who offer advice on other available debt solutions.

To qualify for debt being written off via an IVA, you must have a minimum of £6,000 of qualifying unsecured debt owed to two or more creditors. Realistically, around 25% – 75% of debt may be written off by an IVA. However, this amount will be dependant entirely on your individual financial circumstances and so will differ from person to person. This amount is also subject to creditors’ approval before an IVA can commence.

Money Debt Advice does not charge any fees for advice received, although if you do decide to opt with any form of debt consolidation then any fee within the selected plan shall be detailed to you in full before you proceed.

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