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thestepchange.com is an independent marketing website which acts as an introducer to 'whole of market' companies who offer specialist Independent Financial Advice.
thestepchange.com are not authorised to give advice and we are not liable for any financial advice provided by, or obtained through a third party. The information published on this website is for information purposes only.
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This website www.thestepchange.com is in no way related to Step Change Debt Charity or approved by the Government. However, the product (IVA) which we specialise in, is processed and managed by Insolvency Practitioners under the following legislation: The Insolvency Act of 1986 (amended by the Insolvency Act 2000 and the Enterprise Act 2002) introduced a new procedure whereby a debtor could come to an arrangement with his/her creditors to pay his/her debts in full or in part over time as an alternative to bankruptcy. The Insolvency Service, an independent government agency, has produced a guidance leaflet on dealing with your creditors. In some cases and with some debt solutions a proportion of debt can be written off. The amount written off will depend on your circumstances, income, level of affordability, assets and the current write-off policy of your creditors.