Write off up to 85% of your unaffordable debt.

Legislation is available to help residents in the UK

May not be suitable in all circumstances. Fees may apply, read here. Entering into an IVA may affect your credit rating.


May not be suitable in all circumstances. Fees may apply, read here. Entering into an IVA may affect your credit rating.


Complete the online IVA application form

Our Debt advisors are available Monday-Friday 9:30am to 7:00pm, Saturday 9am-4pm and Sunday 9am-4pm, giving you plenty of opportunity to apply for an IVA and get the IVA debt help you need.

Speak to the experts

dedicated team of Debt Advisors will answer your questions, queries and provide quality debt advice for your personal circumstances and the specific debt product suited to you.

Let us do the hard work

Whilst setting up your IVA agreement, we’ll take care of your debts, from start to finish, stop interest and charges in record time taking away the stress and making the IVA process pain free!

IVA Information

What is an IVA (Individual Voluntary Arrangement)?

An IVA is typically suitable for people who have unsecured debts and cannot afford to pay their monthly repayments. The IVA let's you pay back the debts over a period of time, but not necessarily the full amount. Up to 85% of this debt could be written off with an agreed payment plan.

Are IVAs Worth It?

If you need help with debt and can afford a monthly payment of £80 or more, then an IVA could suit your needs, providing you with a path out of debt. With a few simple questions, a member of our team can lead you through the process. Our registered Insolvency Practitioner will assess your case, selecting the most appropriate solution for you.

How Does An IVA Work?

Working alongside an Insolvency Practitioner, you will be assessed to see how much you can afford to pay per month towards your debt. You will then enter into a six year period of paying that amount back to your creditors. Once the period is over, any remaining debt is written off, leaving you debt free.

Alternative Debt Solutions

Debt Management Plan (DMP)

A Debt Management Plan (DMP) allows you to pay off your debts at a rate you can afford. It’s suitable if you have non-priority debts like credit or store cards, overdrafts and personal loans. We help you work out an affordable payment and talk to your creditors to set this up.


Bankruptcy is a legally binding debt solution. It is often seen as a last resort if other debt solutions fail or can’t be completed within a reasonable timeframe. It is a process whereby debt is written off. Bankruptcy is available to residents of England, Wales and Northern Ireland, however in Scotland it is known as Sequestration.

Trust Deed (Scotland Only)

A Trust Deed is a voluntary agreement between you and those you owe money to (your creditors) to pay back part of what you owe. It allows you to make monthly repayments against your unsecured debts, typically over a three-year period. Once that period is over, the rest of the debt is written off.

Here’s an example of how we can help.

See how an IVA could help you with this simple example to consolidate all unsecured debts into one smaller monthly payment and write off unaffordable debt.

This is an example of the debt you may owe…

Credit Cards

Personal Loan

Store Cards

Payday Loans






Total Amount Owed


Before and After IVA

This is a real life example of how your monthly payments could change

Before an IVA


After an IVA


Apply Now?

Tell us about you

Why are we asking these questions?

When considering your debt level remember to include the following commonly missed debts: HMRC, Bailiff Enforcement debt and Council Tax debt.

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Why are we asking this question?
By knowing how much debt you owe, we can ensure we are able to offer you the most appropriate debt solution for your needs.