Fairpoint Group plc is a United Kingdom-based company engaged in the provision of financial advice and appropriate solutions to individuals experiencing personal debt problems. The Company operates in three divisions: individual voluntary arrangements (IVA), debt management and Claims Management. IVA consists primarily of Group companies Debt Free Direct Limited and Clear Start UK Limited, the core debt solution brands. The primary product offering of these brands is an IVA which consists of a managed payment plan providing both interest and capital forgiveness and results in a consumer being debt free within five years of the agreement commencing. Debt Management consists primarily of the Group Company Lawrence Charlton Limited, the trading brand used to provide Debt Management Plans (DMPs) for consumers. Claims Management fall into three categories: financial claims services, value added services and Web comparison services.