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  • Lawson Fox, 3rd Floor, Falcon Mill, Handel Street, Bolton, BL1 8BL
Free, friendly and impartial advice from qualified expertsLicensed insolvency practitioners and established leaders in providing personal financal assistance.


Individual Voluntary Arrangements

An IVA is a government introduced scheme to help those struggling to repay their debts. An IVA can only be administered by a licenced Insolvency Practicioner (that’s us!).
For those that meet the criteria, there are many benefits over other arrangements.

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Debt Management Plans

A DMP is an informal arrangement between you and the people you have borrowed from.
An assessment is made to work out an affordable repayment amount.
Once your creditors (those you owe) have accepted and agreed the repayment terms, an arrangement to distrubute these funds is set up.

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Our simple, 3 step calculator gives you an indication of the options available to you and the help we can offer.

  • Immediate results.
  • No registration or contact details required.

What is the outstanding total of all your
unsecured debts?

(Approximately. Do not include mortgages, secured loans or leasing)
What is the total monthly payment you are expected to make?
How much can you realistically afford to pay?
Are you a homeowner?

What is your estimated value of the property?
Approximately, how much equity is in the property?

Loans, Equity Release and Consolidation

If it is in your best interest to take out a loan or look to releasing equity from a property, our financial experts can offer free advice and supply suitable services.
We do not charge any up-front fees.

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Bankruptcy should be the last resort when resolving serious debts problems. As part of our full range of services and expertise, we can offer this and help you assess your circumstances and options further.

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scottish debt

Trust Deeds

Scotish residents cannot apply for an IVA. However, Scotland has a similar arrangement available to Insolvency Practitioners called a Protected Trust Deed.
We can help you through your options.

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debt guide

Get started

Resorces, links and downloadable material for our clients:
New arrangment check-lists and useful information.
Glossary of terms and FAQs.
Guide to fees

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Call us today free on 0800 077 89 11
Or contact us using our chat/messaging services at the bottom of this page
To find other sources of free advice visit Money Helper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by government. You can find out more about dealing with your creditors in a guide produced by the Insolvency Service: In Debt – Dealing with your creditors.

What our clients say...

James & Doris

"We had large debts and couldn't see how we were emerging to clear them and we didn't want them to pass to our children. Now we have our IVA, a massive pressure has been released from our shoulders, our debts had been affecting our health and now we have peace of mind and look forward to the future with optimism. I would recommend Lawson Fox to my friends should they ever require the help and guidance my wife and I needed. "

James & Doris London
Brett & Helen

"I was made redundant and had no way of paying the bills. Lawson Fox helped us get back on our feet and gave us that bit of breathing space that we needed. Neil, our advisor, helped us through every step of the way and if their was any confusion or concern all we had to do was pick up the phone and all would be explained clearly. They are professional and non-judgemental, with a sympathetic attitude to such an unfortunate and difficult financial time, we now know that the future looks brighter for my family and I, thanks to Lawson Fox."

Brett & Helen South Wales

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