Find out how much of your debt you may be able to write off.
Interest rates frozen
Government approved scheme
Be debt free in 60 months
Repaired credit rating
Legally binding agreement
Protection from creditors
Complete the Form to see if you qualify for an IVA
DISCLAIMER:
This IVA wizard is approximate and should only be used as a guide. Please seek professional advice before making a decision on how to best deal with your debt situation. Try the IVA helpline on 0800 197 48 38 to get professional advice on the solutions available. Talk to at least 3 companies before making a decision.
MORE INFORMATION ABOUT IVAS
> Find out more about IVAs
What is an IVA?
An IVA is an agreement with your creditors to make a single reduced payment each month which lasts for a sensible period of time (normally 5 years). Once agreed, creditors are not allowed to add further interest or charges to your accounts by law. The agreement is fixed - meaning that creditors can not randomly demand changes to it. The arrangement is governed by the Insolvency Act of 1986. A common misunderstanding is that people think undertaking an IVA is like going Bankrupt. This is not the case. The IVA is specifically designed to avoid the many issues and stigmas surrounding Bankruptcy.
Interest rates frozen
Budgeting at christmas 
