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- An Individual voluntary arrangement helps you in not getting bankrupt and pay back the debts over a period of time.
  
  It is a legal debt solution for the individuals who live in England, Wales and North Ireland.
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  A Debt Relief Order (DRO) is a debt management solution where the debt is written off if you have a low level of debt and have only a few assets.
  
  This solution is available only in England, Wales and North Ireland.
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  A debt management plan is a program that is designed to help people regain control of their finances while reducing outstanding money.
  
  You can make affordable repayments to creditors by writing off the debts.
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  If you are living in Scotland, and struggling from paying off debts, then Scotland trust deed is the right choice.
  
  It is a debt management solution, that helps borrowers overcome their financial issues in a manageable way.
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For more help and advice, visit the Money Advice Service, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here. IVAs are not available in Scotland. Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk