Find The Right IVA Plan To Deal With Your Debts

Freeze all interest and charges and reduce your debts with an affordable IVA repayment plan.

4.9 | 323 reviews ✪✪✪✪✪

Let's Get Your Finances Back On Track

Step 1 - How much do you owe?

Less that £5,000
£5,000 to £20,000
More than £20,000

Could an IVA be right for you?

Make a single, management monthly repayment towards all unsecured debts included in an IVA for a set period of time and write off what you can no longer afford.

An IVA is a formal debt solution aimed at people who owe more than £6,000 and who can afford to make a minimum single monthly payment towards all of the debts included in the IVA. Payments usually continue for a period of 5 years, after which time all remaining unsecured debts that were included in your IVA are written off along with accrued interest and charges.

As with an debt solution, it is important to that you seek professional advice before you enter into an IVA. Contact us today for the advice that you need.


  • Single Manageable Monthly Payment - A single monthly repayment towards all of your debts based on what you can afford.
  • Write Off What You Can't Afford - Potential debt write off.
  • You Won't Have To Deal With Creditors - Once your IVA is approved, creditors can not take further action to recover the debt.
  • No More Spiralling Charges - Interest and charges are suspended when your IVA is accepted.
  • No Additional Fees - The fees charged are taken from the affordable monthly payment you make over the agreed term of the IVA.
  • Debt Freedom - The remaining debt included within the IVA is written off at the end of the arrangement.


  • Possible Remortgage - For homeowners, a remortgage may be required in the final year of the IVA.
  • Potential Increase In Payments - If your circumstances improve during the IVA, increased payments may be requested.
  • Public Register - An IVA is a formal insolvency process and a record of this is held on the insolvency register which is a public register held on the internet.
  • Must Maintain Payments - Failure to comply with the terms of the IVA may lead to the IVA being terminated which means creditors can then pursue you for any unpaid debts including those in the IVA.
  • Loss Of Assets -Any assets that you acquire before the end of the IVA must be declared and may be claimed by the Supervisor for the benefit of your creditors.
  • Affect On Credit Score -Your Credit Rating will be affected during the course of your IVA and for a period of usually 6 years on completion of your IVA.
  • Restricted Spending -To ensure your creditors receive a fair payment against the amount owed, your spending will be restricted during the course of your IVA.
  • Debts Not Included Remain Outstanding -Any debts not included in your IVA will remain outstanding.