Have you received a letter from DCBL or other bailiffs? It can be a worrying and stressful experience to receive a letter demanding payment for a debt, especially if you’re already struggling financially. DCBL often chases people for parking fines or other debts, but if you’re facing more than just a single debt, there could be a better way to manage your finances. Instead of dealing with bailiffs and creditors individually, an IVA (Individual Voluntary Arrangement) could help you get your finances back under control.
What is an IVA? #
An IVA is a formal, legally binding agreement between you and your creditors, designed to reduce the stress and difficulty of managing multiple debts. It allows you to consolidate your unsecured debts into one affordable monthly payment, typically lasting 5 to 6 years. During this period:
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Your creditors can no longer contact you or take legal action.
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Interest and charges on your debts are frozen.
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Any remaining debt is written off once you complete the arrangement.
Does this sound like the help you need?
Could an IVA Stop Bailiff Action? #
Yes. An IVA can prevent further action from bailiffs like DCBL, as long as you meet the eligibility criteria and the IVA is accepted by your creditors. If you qualify for an IVA, this solution can not only stop bailiff visits but also prevent further legal action from your creditors.
Do You Qualify for an IVA? #
You may be eligible for an IVA if:
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You owe £5,000 or more in unsecured debts.
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You have two or more creditors (such as credit cards, loans, payday loans, or even council tax debts).
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You have a regular income to support an affordable repayment plan, starting from as little as £70 per month.
If you meet these criteria, an IVA could be the solution that allows you to keep your car, stay in your home, and finally put an end to creditor harassment.
What Debts Can an IVA Cover? #
An IVA can help you manage a wide range of unsecured debts, including:
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Credit cards (e.g., Barclaycard, Capital One)
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Payday loans (e.g., Lending Stream, QuickQuid)
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Overdrafts
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Council tax arrears
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Bailiff debts like those from DCBL
With an IVA, you’ll make one low monthly payment based on what you can afford. After the agreed term, any remaining debt will be completely written off, giving you a fresh financial start.
Why Choose Us? #
At IVA Advice, we specialize in helping people like you regain control over their debts. Our team of friendly, expert advisors will work with you to understand your situation and recommend the best course of action—whether that’s an IVA or another debt solution. We offer free, no-obligation consultations to guide you through the process and determine whether you’re eligible.
Take the Next Step Toward Financial Freedom #
Don’t let debt and bailiff threats dominate your life. Our team is ready to help you explore whether an IVA is the right solution for your financial struggles. Simply click the button below to get started with a free assessment—it only takes a few minutes to see if you qualify.