Hey Anna, welcome to the forum. If you entered into an IVA your credit rating would be rubbish for six years from the acceptance date regardless of whether you paid it off early. If you are insolvent and are having problems now then you should contact an insolvency practitioner who can go over all ...

Yes it is in my name and my husbands I wanted to find out if I entered into an IVA, could I put funds into it once I had them and would that come off the debt to be written off or the IVA 5 year debt? I was hoping that if I finished it early my credit may improve quicker than waiting for the 5 years...

If I entered into an IVA could I clear it quicker to be able to help restore my credit rating quicker. Or if I put in a lump sum would that come off the debt that is to written off or would it reduce the 5 year period? I may have fund coming within the next year from a house sale and need a solution...