About Us

Private & Confidential
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  • Private & Confidential
  • Regulated Help
  • Trained Experts

Who is Curtis Faraday?

At Curtis Faraday, we’ve been helping people find solutions to their debt problems since 2008. Our team provides confidential, tailored advice to help you navigate your financial situation as quickly as possible.

Customer service is at the heart of what we do. We pride ourselves on offering the highest standard of support to every client during these challenging times. If our products aren’t the right fit, we’ll connect you with a solution that best suits your needs.

  • We recognise

We recognise how difficult it can be when your struggling financially, so we will not make judgement and will provide impartial and honest information which relates to your circumstance.

  • Our objective

Our objective is to provide a solution to improve your financial situation.

  • Our commitment

Our commitment is to always listen non-judgmentally and strive for complete customer satisfaction!

  • What to do next

Come to us for help, and we’ll find the best way for you to get back on track! Call 0808 196 7290 and our experts will walk with you every step of the journey.

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What do we do?

Curtis Faraday specialise in the administration of Individual Voluntary Arrangements (IVAs).

You can find out more about what an IVA is and how it could benefit you on our website. We can offer guidance on the support available to you and help with your debts. It is important to remember that an IVA is not suitable in all circumstances and so you will need to be provided with all the information before you apply. We can let you know if you’re eligible for an IVA.

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Individual Voluntary Arrangement (IVA)

An Individual Voluntary Arrangement (IVA) is a way for individuals to restructure their debt by making monthly payments with an agreed-upon amount over time typically over five years. The remaining debt is legally written off and individuals are legally protected from creditors for the duration of the five years. Interest and charges are frozen legally, and creditors cannot take any further action.

Curtis Faraday specialise in the administration of IVAs, however, should an IVA not be the right solution for you, or you do not qualify, we will refer you to an FCA regulated firm who can discuss all the options available to you!

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Protected Trust Deed (PTD)

A Protected Trust Deed (PTD) in Scotland is an agreement between you and your creditors that allows them to combine all of their unsecured debts into one affordable monthly payment which lasts typically for around three years. Once complete, the remaining debts will be legally written off. In the England the equivalent is called an Individual Voluntary arrangement (IVA).

Curtis Faraday specialise in the administration of IVAs, however, should an IVA not be the right solution for you, or you do not qualify, we will refer you to an FCA regulated firm who can discuss all the options available to you!

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Debt Management Plan (DMP)

A Debt Management Plan (DMP) helps by combining your unsecured debts into one affordable monthly repayment. It’s suitable for non-priority debts like credit and store cards, overdrafts as well as unsecured loans.

Curtis Faraday specialise in the administration of IVAs, however, should an IVA not be the right solution for you, or you do not qualify, we will refer you to an FCA regulated firm who can discuss all the options available to you!

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Bankruptcy

Bankruptcy is a legal process where you can legally write off your debts. It’s available to residents living in England Wales and Northern Ireland – In Scotland, Bankruptcy is known as Sequestration.

Curtis Faraday specialise in the administration of IVAs, however, should an IVA not be the right solution for you, or you do not qualify, we will refer you to an FCA regulated firm who can discuss all the options available to you!

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Debt Relief Order (DRO)

A Debt Relief Order (DRO) is a formal insolvency process which results in all your qualifying debts being written off. On the 6th April 2024, the government announced in their budget that they have removed the fee to apply for a DRO which had been £90 previously. This means you do not need to make any payments toward your creditors where you qualify and enter into this solution.

Your debts are placed on hold for 12 months before being written off. Only the debts included in the order can be written off so it is important you know who you owe money to.

In order to qualify for a DRO you must not be a homeowner, not have assets worth more than £2000 and not own a vehicle worth more than £4000. You must not have more than £50,000 of outstanding debts and must have less than £75 disposable income each month. 

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Our team of experts help thousands of families every year across the UK get their finances back on track.

Based on over 2200 customers being supported from January 2024 to September 2024

Is an IVA right for you?

We can discuss your eligibility for an IVA

Enquire today

Prefer to speak later?

We will offer guidance, support and a solution at a time that suits you.

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To find out more about managing your money and getting free and impartial debt advice, visit www.moneyhelper.org.uk, an independent service set up to help people manage their money.

Check if you qualify
Check if you qualify

0808 196 7290 IVA Clients
0161 835 2275 Debt Management Clients

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