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

If you have questions about an Individual Voluntary Arrangement (IVA), would like to speak to a debt expert or are ready to apply for an IVA you are in the right place.

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.

Write off Unaffordable Debt

An IVA 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.

Use the IVA Calculator below 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.

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

Debt Written off in an IVA

How much debt is written off in an IVA. Calculate the amount you could write off. Can the amount change? Will you ever have to repay all your debt?

IVA Payment Break

How does an IVA Payment Break work? When is a break allowed? How long can it last? What happens to the payments you miss?

Cancel IVA if Unhappy

Why would you cancel your IVA? How to cancel an IVA. What happens to any money already paid in? Do you have to go Bankrupt after you cancel an IVA?