IVA Advice Line from The Financial Helpline.... The Financial Helpline are licensed Debt Adjusters and are Data Protection registered. We have partnerships with Licensed Insolvency Practitioners, Credit Brokers and Mortgage Brokers. Being in debt is stressful. The Financial Helpline gives its customers a sympathetic, professional and stress free alternative to their debt problems, and with the office always open, you can call at a time that's convenient to you. Debt Management.... Debt Management is a system which decides how much an individual or family can afford to pay their creditors. Debts are consolidated into one affordable monthly payment. This payment is then sent to the creditors once an agreement has been made. The Plan can vary in length depending upon the amount of debts and the re-payment amount. IVA's.... An Individual Voluntary Arrangement ( IVA ) is an agreement with your creditors to make a single reduced payment each month. This lasts for an agreed period of time. Once agreed, creditors are not allowed to add interest or charges to your accounts by law.