Write Off Up To 81% Of Debt and Reduce Monthly Payments

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  • Stop Creditor and Bailiff Action
  • One Affordable Lower Monthly Payment
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What an Individual Voluntary Arrangement can do for you

If your bills are mounting up and debt is taking over your life, you may be wondering what to do. But don’t worry, there is a debt relief solution for you.

Individual Voluntary Arrangements (IVAs) are a positive debt management solution that can help you to pay what you owe in manageable monthly payments. IVA debt help can write off part of the money you owe, and reduce your monthly payments.


Speaking to a professional expert can help you to turn debts like credit cards, utility bills, and payday loans into an affordable payment plan, and write off up to 81% of what you owe at the end of the arrangement.


Our Advisers understand the stress of being in debt and have the best options ready to help you. Speak to an Approved Adviser for free, confidential advice today

Four Simple Steps

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Tell Us How We Can Help

Complete our simple form and let us know how we can help.

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We Match You

We’ll assign an Approved Advisor local to you, with the right knowledge

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No obligation call

Meet with your regulated IVA advisor and explore your options.

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Decide What's Right For You

Save money and invest in the right opportunities thanks to the advice.

About The IVA Advice

Local Advisers

Approved Adviser will always match you with a local financial adviser that suits your needs.

Lower Fees

Our IVA advisers will always check that you're not paying high or unnecessary fees.

Great advice

Your advisor will make sure all your options are clearly explained, so that you can make the right decision.

In good hands

Our IVA specialists will carefully review your concerns so they can plan the best course of action for you.

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Frequently Asked Questions...

An IVA or Individual Voluntary Arrangement is a type of insolvency debt management that lets you repay the debt you owe over time. This is usually over 5 years, but it can sometimes be up to 6 years. During your plan, all interest and fees associated with your debts are frozen. At the end of the IVA, the remaining unpaid debt will be written off and you can begin your debt-free future.


Once your Individual insolvency is approved and has been added to the IVA Register, you can turn debts like credit cards, utility bills, and payday loans into a single affordable monthly payment, and right off some of what you owe at the end of the arrangement.

Individual insolvency (IVA)  can include a variety of types of debt, including:


  • Credit cards and loans
  • Debts you and another person “jointly owe”
  • Debts to individuals, including family and friends
  • Debts to HMRC, including VAT, overpaid benefits and others
  • Council tax and utility arrears
  • Trade creditors if you’re self-employed
  • Shortfall once a property has been repossessed.


IVAs do not include:


  • Student debt
  • Debt owed to an ex-spouse which a court has decided must be paid
  • Court fines and traffic violation fines

Debt solutions such as Individual Voluntary Arrangements will have a negative impact on your credit rating and will show on your credit report for six years after it has been approved. However, it’s important to understand that once your Individual insolvency is complete you will be offered a fresh start to begin rebuilding your credit rating. Plus, your credit score will likely already have been affected by being in debt in the first place.

In most cases, Individual Voluntary Agreements won’t affect your employment. However, in certain professions, such as in the financial sector, accountants and solicitors, having an IVA may mean you can only practice under certain conditions.


There are also options available for self-employed IVA.


Speak to an expert IVA advisor today to discuss your options and the best solutions for your individual circumstances.

No. Once you enter an IVA, creditors that you may previously have owed can take no further action against you and are not allowed to contact you directly.

There are several advantages and disadvantages associated with an IVA, therefore it’s recommended that you seek expert IVA debt advice.


If you’re looking for comprehensive advice, an IVA practitioner is definitely worth it. The IVA debt help they will be able to give you is unparalleled, and they will assist you in deciding whether Individual insolvency is right for you, or if another option is more suited to your circumstances.


You should bring:


  • Proof of your income, such as payslips or recent bank statements.
  • Proof of any savings such as bank statements.
  • Tax credit statements or benefit letters.
  • Statements from each of your creditors confirming the balance owed.
  • If you are applying for a self-employed IVA, a copy of your latest tax return will be required.


These questions are a good starting point:


  • Is there an application fee? What are the IVA fees for?
  • What are safeguarded benefits?
  • How much will the IVA payments be?
  • What if I have payment problems during my IVA?

How Can We Help?

We’ll use this information to match you with a local Approved Adviser with the right experience to help.
The Adviser will contact you directly. Your initial consultation is free with no obligation.