Individual Voluntary Arrangement
All your debt questions answered here. Read through below articles to know which debt solution is best for you. It explains in detail about each debt. Decide whether IVA is right for you or not with the help of IVA process & detailed pros and cons. Confused? Don't know what to do? Click here to Ask IVA Experts your question for free advice/help on our Debt forum with over 20,000 Members and 650,000+ posts or call now on our 24 hour IVA Helpline. See which debt solution is the best one for you with the help of our IVA calculator and write off upto 75% of your debt.
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IVA.co.uk does not provide debt advice. You must always seek professional advice before taking any action to resolve your debts. If you use the IVA Calculator or call the IVA Helpline, we will pass on your details or connect you to one of our partners who will contact you and explain all the options available to you. With your permission they can connect you with authorised debt solution providers who can process an application for you
IVA.co.uk does not charge you any fees for use of our forum or the IVA Calculator, however we do get paid by our sponsors and the partners we work with. Our partners charge fees and those vary depending on the partner and the debt solution. Customers should refer to our partners' websites for more information regarding their services.
Before entering into any debt solution you should ensure that you have considered the implications. Failure to keep up with repayments can result in bankruptcy or legal action. Lenders are not obliged to accept less in settlement of a debt than they are entitled to or to freeze interest or charges. Not all solutions involve debt write off and some solutions may result in the total amount payable increasing, or the period over which it is to be repaid increasing. Debt solutions will affect your credit rating which records all financial activity for 6 years. Your assets and property could be at risk in some solutions. Conditions apply and each application will be subject to acceptance and eligibility.Terms and conditions