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    Individual Voluntary Arrangements (IVA’s) were introduced by the Government in the 1986 Insolvency Act as an alternative to bankruptcy. An IVA is a formal agreement between you and your creditors that is designed to help you manage your debts.

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For more help and advice, visit the Money Advice Service, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here. IVAs are only available in England, Wales and Northern Ireland.

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Debbie was in a great deal of debt after going through a difficult divorce with three children and falling behind with her loan and credit card payments. Here is a snapshot of Debbie’s situation and how we helped her.

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Here is a snapshot of Debbie’s situation and how IVA Practice helped her

  • Total unsecured debt£34,293

    Debbie owed £34,293 to 7 different lenders, including credit cards, catalogues and a payday loan.

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*Figures based on an actual customer who was recommended an IVA. IVAs are subject to eligibility and acceptance. Credit rating may be affected. Fees Payable if ongoing services are provided.

Debts we can help you with

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  • Get your interest and charges frozen
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