IVA Information
IVA Advice – Write off Unaffordable Debt – IVA Information
IVA Information
Individual Voluntary Arrangement
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Protect property from legal action

An IVA gives legal protection your home. Creditors can no longer take action against it

Welcome to IVA Information

Have you got questions about an IVA? Want to check whether the solution is right for you and find out how much debt you could write off? You are in the right place.

Use our IVA Calculator above to see if you qualify or give us a call (0800 011 4712) to talk to an expert about whether the solution is right for you.

Write off Unaffordable Debt

An IVA (Individual Voluntary Arrangement) allows you pay a single reduced amount towards your debts based on what you can afford. A monthly payment Arrangement will last 5-6 years. After this time any included debt which remains unpaid is written off.

Only unsecured debts are included. You must continue paying secured debts such as your mortgage. If you are a home owner your property gets legal protection but you may have to release equity to increase the amount you pay to your creditors.

The Arrangement is a legally binding agreement to settle your unsecured debts. It was introduced into law in 1986 and is available in England, Wales and Northern Ireland.

How will an IVA Affect Me?

An IVA has various affects. To what extent these will have an impact on you will depend on your financial and family circumstances

Speak to our experts about an IVA or any debt solution

How to become Debt Free Using an IVA

An IVA involves various stages. After successfully completing all of these you will be free of your unsecured debts.

What is an IVA

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Expert Articles about IVAs

Overtime earned during the Coronavirus and your IVA

Coronavirus overtime rules if you have a Protocol IVA. The rules if your IVA is not based on the Protocol. What if you can’t pay your IVA?

Aperture IVA moved to Jarvis Insolvency – What can I do

What should you do if your IVA has moved from Aperture? What if you are unhappy with the change? Can you cancel your IVA and go bankrupt?

What if I have lost my job in an IVA

What to do if you have lost your job during an IVA. Take a payment break. Can you pay your IVA early? Stop and use a different solution.