Business Details
Trusted Insolvency & Debt Management Solutions
N T F Financial Solutions is committed to providing expert financial advice and tailored debt solutions, prioritising integrity and client care. Our team of licensed insolvency practitioners brings decades of combined experience in resolving complex financial challenges. Specialising in Individual Voluntary Arrangements (IVAs), Debt Relief Orders (DROs), and bankruptcy, we ensure each solution aligns with the client's unique circumstances. Accredited by the Institute of Chartered Accountants in England and Wales, we uphold rigorous professional standards while maintaining transparency and empathy. Our dedication to ethical practices and client education has helped thousands regain financial stability.We pride ourselves on a client-centric approach, offering free initial consultations to identify the most suitable debt management strategy. Our advisors work collaboratively with creditors to negotiate fair terms, ensuring long-term resolutions that prioritise the client's well-being. With a proven track record in insolvency services, we combine technical expertise with compassionate support to reduce financial stress. Our commitment to regulatory compliance and continuous professional development reinforces our position as trusted industry leaders. Clients benefit from our extensive knowledge of evolving debt regulations and our focus on delivering sustainable outcomes.
Services
Debt Management Plan
Individual Voluntary Arrangement
Debt Relief Order
Bankruptcy
Insolvency Advice
Highlights and features
- We have over 50 years of combined experience in insolvency solutions.
- Our team are licensed by the Institute of Chartered Accountants in England and Wales.
- We offer tailored debt solutions based on individual financial circumstances.
- We have helped thousands of clients resolve unmanageable debt.
- Our process prioritises transparency and ethical financial advice.
Associations and certifications
- Institute of Chartered Accountants in England and Wales
What people say
Smooth and painless experience
No hesitation in recommending
Weight lifted off shoulders
Helped me
Rated 10 out of 10
Services
Individual Voluntary Arrangement
An IVA consolidates unsecured debts into one affordable monthly payment, typically over five years. This legally binding solution freezes interest and writes off remaining debt upon completion. Ideal for those with 5,000+ debt in England, Wales, or Northern Ireland, it protects assets like homes while offering a structured path to financial recovery.
Debt Management Plan
A non-binding plan restructures unsecured debt into manageable monthly payments. Creditors often freeze interest, allowing gradual repayment of principal. While not guaranteed, this flexible solution works for various debt levels and requires cooperation with creditors to achieve long-term affordability.
Debt Relief Order
A DRO writes off debts up to 30,000 for individuals with minimal disposable income. After a year-long period, qualifying debts are discharged without repayment. Restrictions apply to assets and future borrowing, making it ideal for those with temporary financial hardship and limited resources.
Bankruptcy
Bankruptcy provides a fresh start by writing off debts exceeding 5,000, lasting one year. Assets may be sold to repay creditors, though essential items are retained. Surplus income payments extend up to three years, with long-term impacts on credit ratings and professional standing.
Insolvency Advice
Personalised guidance compares formal and informal debt solutions. Our experts assess income, assets, and obligations to identify the most suitable path. This service includes creditor negotiations, compliance education, and long-term financial planning to prevent future debt crises.
Questions
What is an Individual Voluntary Arrangement (IVA)?
An IVA is a legally binding agreement to repay manageable monthly payments over typically five years, with remaining debt written off upon completion.
How does a Debt Relief Order (DRO) differ from bankruptcy?
A DRO is a 12-month debt freeze for smaller debts (£30,000 or less) with minimal disposable income, while bankruptcy involves asset liquidation over one year.
Can I keep my home during an IVA?
Yes, you won’t be forced to sell your home, though remortgaging may be required in the final year to release equity.
Are student loans included in bankruptcy?
No, student loans remain after bankruptcy, DROs, or IVAs, requiring continued repayment post-insolvency.
How do I apply for an IVA?
Contact our advisors to assess eligibility, then we negotiate with creditors on your behalf to create a formal payment proposal.
Reviews (5)
G. Hassan
Jun 08, 2020
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3 years completed, never had any issue other than the epidemic time when there was a delay to sort issues out, which was explained.
Tim Shamoon
Jan 15, 2020
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I can thoroughly recommend NTF. I wish to thank all the staff for their support and dedication (especially Antony). They made a difficult process as simple as possible. I wish them all the very best for the future
Jane Brown
Jun 07, 2019
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My partner and I have completed our first year in the IVA with NTF financial solutions. I have found the customer service and dedication outstanding. They are a compassionate and hard working team, always there to answer any questions I may have and incredibly supportive. They help to ease any worries you have, reassuring at every corner with the upmost respect and kindness whilst remaining professional. They are sympathetic in any given situation, I honestly feel I have a great support network to help us towards a debt free future. Thankyou NTF financial solutions for all of your patience and
Louise Boulton
Jan 02, 2019
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Thought was sorting my issues out but after being in this iva for 2 yrs its seems not much of my money has been paid off my debts and they have claimed tbe majority. Just tried contacting them and the telephone number doesnt even ring now???
Lisa Thickett
Jan 11, 2018
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Always losing my paperwork and then send nasty sounding letters supposed to be on your side but it really doesnt feel like it wish I had never signed up with this company plus asking for more money even though theres none spare cant wait for the next three years to be over
