Search form You are here Debts We Can Help With We are currently assisting over 30,000 clients to repay many types of debts - not just from unsecured borrowing. The most typical debts included in an IVA or Debt Management Plan are unsecured debts from personal borrowing, for example personal loans, credit cards and bank overdrafts. However some not so obvious debts can also be included in the plan. By debts included in the IVA or Debt Management Plan we mean debts treated as an unsecured creditor and subject to negotiated repayment. Other type of debts that can be included Many kinds of debts can be included in a IVA or Debt Management Plan - not just those from personal loans and credit cards. Catalogue debts. Store Cards. Gas, electric or water bills (from a previous address and supplier). Disconnected mobile phone bill. Rent arrears (from a previous address). Old banks accounts. Some items bought on finance (provided not secured or with Perfect Homes, Brighthouse or Crazy George). Car Finance (only if you no longer have the car). Benefits and DWP (Department of Work and Pensions) overpayments as long as you are not still in receipt of the benefit. Loans with a Guarantor (Only when Guarantor agrees to go on the plan) Payday Loans Mortgage or secured loan shortfalls (Only if client no longer has property) Any service which you're no longer using where money is outstanding has the potential for inclusion e.g. school, nursery, solicitor, dentist etc. Items bought