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    A licensed Insolvency Practitioner will negotiate with your creditors and agree what you can realistically afford to repay. An IVA will usually last for five or six years, during which time you will pay an agreed, lower amount every month which is split between your creditors and your remaining unsecured debt will be written off - this can be as much as 80%* of your debts.

    *On average customers may have between 25% to 80% of debt written off with an Individual Voluntary Arrangement (IVA).

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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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    The minimum payments to Debbie's lenders totalled £520. Following a review of her income and expenditure her lenders agreed to a lower monthly IVA payment of £281.

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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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    • Your lenders are not obliged to accept the IVA
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