Get debt help today

Struggling to pay off your debts?
The IVA Practice may be able to help you get debt free.

  • Freeze interest and charges from lenders
  • Write off up to 80% of your unsecured debts
  • Lower your monthly payments

Fill in the form below to check
if you qualify for an IVA

  • Location
  • Debt Level
  • Income
  • Living
  • Assets
  • IVA?

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What's Your Debt Level?

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Four Simple Steps to Financial Freedom

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Step 1

Simply complete the online form to see if you’re eligible for an IVA.

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Step 2

One of our trained and friendly advisors will contact you and start the IVA process.

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Step 3

We will talk to your lenders and make the necessary arrangements for your IVA.

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Step 4

As soon as your final payment is made, the remainder of your debt is legally written off.

Click the button for an instant answer on if you might be eligible for an IVA

How can an IVA help with your debts?

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. 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).”

The benefits of an IVA are:

  • Avoid bankruptcy
  • Become debt free in up to 5 years
  • Reduce your monthly payments
  • Write off debts
  • Minimise creditor phone calls and letters
  • Stop demands from creditors
  • Stop creditors taking further legal action
  • Stop interest and charges

Find Your Solution Today!

Struggling to keep up with monthly credit card repayments?

Real People, Real Examples

Cindy was in a great deal of debt after going through a difficult divorce and trying to maintain three children.

*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.

Cindy's Situation

Cindy's Total Debt
Total Creditors

Cindy had seven creditors to pay who were calling daily and writing to her regularly, causing her stress.

Was Paying

Cindy was trying to keep up with monthly payments of £520 to keep up with all her creditors which was proving very difficult.

Our Solution

Now Paying
£281 - Per Month

After an advisor completed a full income and expenditure check, it was determined that one lower monthly payment of £281 would be more feasible.

Debt Written Off

At the end of the five year period and on completion of Cindy’s IVA, £17,443 of her debt is legally written off and she is completely debt free. All thanks to the IVA Practice.

Total Saving

At the end of her repayment period Cindy had 51% written off.

Are you in a similar situaion to Cindy or struggling with debt?

Customers can get free debt counselling, debt adjusting and providing of credit information services from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service click here.

Debts we can help with

Credit Cards

Personal Loans


Store Cards

Payday Loans


Do the types of debt above sound familiar? See if you qualify for an IVA!

Key facts about an IVA.

  • Available to everyone – individuals, couples and sole traders
  • Unaffordable debt written off
  • Interest and charges frozen
  • Protect your house and other assets, such as your car

Debts which can be considered in an IVA

  • Personal loans
  • Store cards
  • Payday Loans
  • Catalogues
  • Debt collectors
  • Bailiffs
  • Old car finance
  • Previous years council tax (subject to area)
  • Utility bills
  • Phone bills
  • HMRC Debt
  • Any debts not bound by your IVA will remain outstanding.
  • Your credit file will be affected for a period of 6 years.
  • Starting from when the IVA is approved, your ability to obtain credit will be limited.
  • An IVA can impact on certain jobs such as those in finance and the Civil Service. If you are unsure check your employment contract.
  • You may be asked to re-mortgage 54 months into the IVA; if this is not possible you
    may be required to extend your IVA by a further 12 months.
  • Failure to keep up with IVA payments may result in your creditors filing for your Bankruptcy.
  • There are restrictions on certain items of expenditure for a person in an IVA.
  • Entering into an IVA means that your details will be entered onto a public register.
Debts you can’t include in an IVA
  • Child Maintenance
  • Child support deficit
  • Student loans
  • Magistrates’ court fines
  • Secured loans
  • Current car/bike finance
  • Mortgage arrears
  • Guarantor Loans
  • Owe more than £5,000
  • Afford a minimum of £80 per month
  • Owe money to two or more creditors
  • Struggling to meet repayments

As part of our free service, we will take a look at your financial situation and assess your suitability for an IVA. If you decide you want to proceed with an IVA we will assist you in the preparation of your IVA proposal. Fees are payable in an IVA. For more information Click Here