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How Does it work?

An IVA is available to people who are struggling with their current unsecured debt repayments, to qualify for an IVA you need to meet the following criteria:

Once the IVA agreement is in place, your creditors must legally stop all further interest and charges on your debts – all letters and phone calls relating to the debts included in the IVA should stop.

As long as you keep to the terms of the IVA agreement any outstanding debts included in the IVA will be written off by your creditors at the end of the term, which is usually 60 months*.

For more information on Individual Voluntary Arrangements, visit our IVA Frequently Asked Questions page.

Find out how an IVA could help you clear your debts, call us on 0800 634 7053

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Most of my debts came to a total of around 10,000 pounds from loans/credit cards, and I was struggling with the payments, my plan was transferred to debt plan direct and now I couldn’t be happier. Emma