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There will be an upfront fee dependent on your circumstances which will need to be paid before the commencement of the arrangement. Thereafter all costs are paid out of contributions you pay in, but they must be approved by the creditors before the arrangement starts. We will always fully explain how this works before you sign up to
FAQ's

I’m bankrupt – everyone will find out about it won’t they?

Well not necessarily. It’s true that when you are declared bankrupt or enter into an Individual Voluntary Arrangement, then this goes on public record in the Individual Insolvency Register. But the days of the advert in the local newspaper are long gone. The people that will get to know are obviously all of your creditors (which can include the bank , the mortgage company or your landlord) and you need to be careful if you work in any kind of job which requires a licence or some sort of undertaking regarding personal insolvency. Once again we can advise you about the types of things you need to look out for- just talk to us.