If you have in excess of 15000 pounds of debt you may qualify for an IVA and be clear of debt in just 60 months.

Here are a few tips to help you consolidate your bills and eliminate debt.

Repossessions in Wales have risen by a quarter over the past 12 months twice as high as the rate in England, new figures have revealed. According to the Department for Constitutional Affairs, the number of claims issued for repossessions in Wales grew by 26 per cent, compared to 13 per cent in England.