An IVA (Individual Voluntary Arrangement) can be a great way for debt consolidation help. With thousands of people within the UK suffering with debt, it can be a stressful time for people with bailiffs constantly knocking, letters billing and rates increasing. But, an IVA can help remove up to 85% of your current debt and First Debt Advice are the guys who can offer this IVA services to you. So there might be better options if your debt is smaller.