Registered Address: New Cambridge House, Bassingbourn Road, Litlington, Royston, SG8 0SS. Tel: 01279 501105/07891 086366

Company Registration Number: 06794520. VAT Registration Number: 945 1302 43.

CSEJ is registered under the Data Protection Act (registration number Z1722736). Consumer Credit License (number 628494)  

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Individual Voluntary Arrangement (IVA)

A formal arrangement with your creditors to pay them as much as you can afford over a 5 year period in full and final settlement of your debts. The IVA enables interest charges to be frozen, debts to often be significantly reduced, protection to be gained from creditor actions or bailiffs and bankruptcy proceedings to be avoided.


Informal Arrangements  

We can help you to reach an informal agreement or mediated settlement with one or more of your creditors to make a single, reduced payment in full and final settlement of outstanding obligations.  


Bankruptcy is one way of dealing with debts you cannot pay. The bankruptcy proceedings:  

  • free you from overwhelming debts so you can make a fresh start, subject to some restrictions; and  
  • make sure your assets are shared out fairly among your creditors.  

Debt Management Plans  

We can help make arrangements for people to clear existing debt in full by making single monthly payments for the benefit of all creditors often with interest charges frozen.


Our associated company, Eurodebt, specialises in the provision of Debt Management Plans.