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We cannot guarantee a reduction in interest or charges. Fees apply. If an IVA is not maintained it could lead to bankruptcy. Your credit rating may be affected for up to six years. Repaying debts over a longer period may increase the total amount to be repaid. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Use of this site constitutes acceptance of our terms & conditions and privacy policy. The “Supporting Hands” logo is the registered trademark of National Money Helpline – all rights reserved.