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Latest Insights & Financial Guides

Helpful articles to understand debt, credit, and financial wellbeing in simple terms.

Understanding Your Credit Report in 2026

Learn how credit reports work, what affects your score, and how to improve it effectively.

12 Jan 2026 Read More

What Happens During an IVA Process?

A simple breakdown of how an Individual Voluntary Arrangement works and who it suits.

28 Dec 2025 Read More

Credit Cards: Hidden Risks You Should Know

Discover how interest builds up and how to avoid long-term debt traps.

15 Dec 2025 Read More

Simple Ways to Reduce Monthly Debt Stress

Practical tips to manage payments, reduce anxiety, and regain financial control.

02 Dec 2025 Read More

National Debt Helpline Limited is registered in Chorley. Registered Office Address: 172 Park Road, Adlington, Chorley, PR7 4JX. Company Registration Number: SC912436. ICO Registration Number: ZA474414. National Debt Helpline Limited is a firm of Licensed Insolvency Practitioners. Matthew Benson is authorised to act as an Insolvency Practitioner in the UK by the Institute of Chartered Accountants of Scotland.
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To qualify for debt being written off through an IVA, you will typically need at least £7,000 in qualifying unsecured debt owed to two or more creditors. The percentage of debt written off depends on your individual circumstances. Based on average figures from J3 IVA clients between June 2023 and June 2024, customers achieved a potential 68.5% write-off of qualifying debt upon successful completion of their IVA.

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