Change the debt amount to see how low your monthly payments could be
Monthly Payments £188
Total Debt Repayable £11,280
73% Debt Write Off £30,720
This example is for guidance purposes only as IVA payments are based on affordability. To learn more read our terms and conditions

Free IVA help and advice from the Not for Profit IVA organisation

An Individual Voluntary Arrangement will allow you to reduce your normal monthly debt repayments to a single affordable monthly payment, including your credit cards and payday loans.

Your IVA will give you legal protection from your creditors, whilst you only repay what you can afford, giving you peace of mind and, once the IVA is agreed with your creditors, there will be no more CCJs and no bailiff visits.

Unlike an open-ended Debt Management Plan, your Individual Voluntary Arrangement will have a fixed time frame which is normally 5 years, giving you the assurance that there will be light at the end of the tunnel for your debt problem.

Once your IVA has been agreed by your creditors and, if you're a homeowner, after you have fulfilled your obligations under the IVA equity clause on the successful completion of your IVA, you're unsecured debts will be considered legally satisfied and you will be "DEBT FREE".

As part of the IVA process your IVA will be recorded on the Insolvency Register, a public record listing all the Bankruptcies Debt Relief Orders and IVAs in England, Wales and Northern Ireland. However, despite this, an IVA is often considered a more discrete solution than bankruptcy because it is not mentioned in the press.

Your IVA will give structure to your financial budget by helping you account for all your personal incomings and outgoings. Managing your own personal finances by keeping account of your financial position on a monthly basis will help rebuild your confidence in how to maintain your personal finances. offers helpful and practical IVA advice on the Individual Voluntary Arrangement debt solution. Discover if an IVA is the suitable solution for your debt problems

Give our IVA helpline a call...

If you simply want to have a chat about your options, or would like to ask a question about your solution. We invite you to call our dedicated freephone IVA helpline at a time that suits you on.


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