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I came to Debtwizard.com and Mike Thomas after being in an IVA, Individual Voluntary Arrangement for a year, I am a serving Police Officer and had over £30,000 of unsecured debt.

Read more: Helping me to end my IVA three years early


A big thank you to Mike Thomas and the team at PayPlan for all their help and support last year.

I am into my third month of my Individual Voluntary Arrangement IVA and such a relief to see light at the end of the tunnel.

Read more: Help setting up an IVA


After many years of struggling with financial difficulties we have finally come though and am proud to say, in capital letters, WE HAVE NO DEBT! We can only say that because we were fortunate to find Mike Thomas and Debtwizard after watching him on the BBC.

Read more: Help with my IVA


A huge thank you to Mike Thomas and the Payplan team.

My Individual Voluntary Arrangement IVA has just been agreed and whilst I have to admit to be embarrassed and ashamed to have got myself in so much debt at my age (55), I cannot begin to explain the sense of relief I now have knowing I have a structured arrangement in place and peace of mind.

Read more: Help in setting up my IVA



For no nonsense advice just submit the short form and Mike or one of his team will get back to you.

Unsecured debt

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Current payments

£0 - £25

Affordable payments

£0 - £25



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