IVA information, debt advice about UK IVA 's. What is an IVA ? Information & advice about how individual voluntary arrangements may reduce your debt problems. Find out how an IVA can write off a substantial portion of your debts.

An IVA or Individual Voluntary Arrangement is a government approved legally biding arrangement made between a debtor and his or her creditors. An IVA could dramatically lower your debts, depending on your personal circumstances, help reduce your monthly repayments to one monthly affordable sum, repayable over 5 years. After the five years, you could be considered to be debt free.

What is an IVA?

How an IVA could help you.

IVA facts.

Full name
Address
Town
Postcode
Please provide at least one phone number
Home phone
Work phone
Mobile phone
Best contact time	Immediately Between 9am and 11am Between 11am to 1pm Between 1pm to 3pm Between 3pm to 5pm Between 5pm to 7pm Between 7pm to 9pm
Email address
Total amount of debt owed	- Please select - £50,000+ £40,000+ £30,000+ £20,000+ £15,000+ £5000+ £3000+
Current monthly payments	- Please select - up to £180 £180-£350 £350-£500 over £500
Employed	Yes No
Net household income per month	- Please select - under £500 £500-£1000 £1000-£2000 £2000-£3000 £3000-£5000 over £5000
Number of people owed to	- Please select - 1-2 3-6 7-9 10+
Additional info/comments
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To qualify for one of our IVA programmes

• You must owe more than £15,000
  
  
• You must have unsecured credit loans, credit cards, store cards
  
  
• You must only be paying the minimum repayments
  
  
• Or you are just paying interest charges
  
  
• You are seriously seeking a solution to your debt problems
  
  
• You must have an earned income in excess of £1000 per month
  
  
• You must not be currently under a debt management programme

If you owe less than £15,000, depending on your circumstances, a Debt Management Plan may be another solution to your debt problems.