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As heard
on the radio

We will help
clear your debts

Get up to 80% of your debt written off

Get your interest and charges frozen

Get yourself back on track

See if you are eligible

Check now

Check if an IVA is
right for you

How does an IVA work?

Use our IVA checker and if eligible, we will put together a proposal for your lenders

Once it is agreed
you will make one, affordable monthly payment

We will talk to your
lenders and deal with all the paperwork

On completion,
all debt included in your IVA is written off

Mike's solution

Mike was one of our customers who was recommended an IVA.

Total unsecured debt


Old monthly payment


New monthly debt repayments


Monthly reduction


Debt written off



5 years

We managed to get over half of Mike's debt written off

Check if an IVA is
right for you

Everyone's story
is unique

We will listen to you.We take the time to understand your situation and our conversations are always 100% confidential.

We are dedicated to helping you. Our friendly, experienced advisers offer personalised support that really makes a difference.

We can help you build a brighter future. We are here to make the journey to becoming debt-free as smooth as possible.

Frequently asked questions

How do I get an IVA?

The first step is to use our online IVA checker. If you are eligible, one of our expert advisers will ring you to get a better idea of your circumstances. Together, we will figure out what you can realistically afford to pay, based on your monthly income.

Then, you can leave the next bit to us. We will create an IVA proposal for your lenders and they will then decide whether to accept it. Most proposals are accepted, but not all.

If it is approved, you are legally required to make the monthly payments for the agreed amount of time as stated in your IVA. When this comes to an end, any outstanding debt will be written off. If your IVA fails, you will be at risk of bankruptcy.

Will an IVA put my job at

In most cases, an IVA will not affect a person’s job.

However, there are a few exceptions. For example, some companies have rules against taking on an individual if they are currently on an IVA or have been in the past. These include:

  • A role where you are responsible for money, like an accountant
  • A role where you advise others about their money, like a mortgage adviser

If you are worried about how your job might be affected, please speak to a member of our team and we will be happy to offer you advice.

Will lenders continue to
chase me for payments?

If the IVA is accepted by your lender, they are not allowed to chase you for payments anymore.

If they have any queries about your IVA, they should contact your insolvency practitioner instead – so if you do get a call, direct the lender to them instead.

Who will know I’m on an

There is no reason why anybody has to find out you have an IVA. No one (including your friends, family or employer) will be informed about it as it is a private agreement between you and your lender.

Your details will be listed on the Insolvency Register which is a public record, but someone would have to search for you to find your information.

What debts can go into an

All types of unsecured debt are allowed to go into an IVA, such as:

  • Personal loans
  • Credit and store cards
  • Catalogue debt
  • Council Tax arrears
  • Benefit arrears
  • Overdrafts

Kindly note, you cannot use an IVA to pay off secured debts, like a mortgage.

Will my home be affected?

Do not fret, your property will be safe. Your mortgage or rent payments will be considered when setting up an IVA to ensure you have enough money to pay for them. However, you can’t use your IVA to clear your secured debts.

In the final year of your IVA, you may be able to release equity in your home by remortgaging. If this is not possible, your IVA could continue for up to another 12 months.

You might also
like to know

We know that tackling your debts can be a daunting task, but we are here to help. Our advisors will tell you whether an IVA is the right solution for you and how it all works.

We will prepare a proposal for your lenders to consider, and if your IVA is accepted, we will support you every step of the way towards getting debt free.

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. An IVA is a formal agreement, subject to status and acceptance and may not be suitable for all. Debt write off is based on individual circumstances, 36% of our customers have achieved 80% or more, average debt write off is 60%. Our fees are explained here.


As a resident of Scotland you have alternatives to an IVA