Do you qualify
for an IVA?

Write off up to 70%
Ave write off 45%
Total Debt: £ Income (per M) £ Own home?
Yes
N
o
Creditors: Expenses (per M) £
 HOME  FORUM  FRUGAL   ARTICLES  TV  EVENTS  BLOGS
•Home

Want to do an IVA?
•See if you qualify?
•Ask a Question
•Compare Debt Companies
•What is an IVA?
•Starting an IVA
•The IVA process
•IVA Monthly Payment
•IVA Pros and Cons
•IVA FAQ

Already in an IVA?
•Ask a Question
•Member Blogs
•IVA News
•Aguise
•Insolvency Helpline
•IVA Mediation Hotline

Events
•Debt debates
•Frugal friends

Other Resources
•Creditor Harassment Hotline
•IVA Glossary
•Insolvency Act 1986
•IVA Info Centre
•Expert Advice
•Health Issues
•The Panic zone
 
•IVA Help

IVA TV
•Pre debate
•Post debate
•More...
FORUM
•forum
•register
•search
•faq
•experts

TEMPLATE LETTERS
•Suspend payments
•Token payments
•Write off
•Pro Rata
•Settlement
•More...

ARTICLES
MEDIA ROOM
•Press releases
•Media Coverage
•Stats
•Contact Media Room

OTHER:
•Volunteer Jobs
•IVA.co.uk Awards
•About IVA.co.uk
•Contact us
•Debt Glossary
•IVA.co.uk site index
•Legal
•Terms and conditions

IVA TOPICS WITH MOST REPLIES
  > Topics discussed with most replies on the IVA forum
Top 250 Debt Questions from the IVA Forum:
Topics by replies on IVA Forum | IVA.co.uk
Title Posts Views
Serious illness (by: Julie) 641 21609
IVA Process Started (by: Pennyless) 602 18076
weight loss forum chapter 2 :) (by: lesley_) 408 9255
2010 Fat Fighters :) (by: Julie) 373 4624
THRIFTY FRIENDS (PART 3) (by: kallis3) 340 8955
Frugal Friends Xmas party confirmed (by: Skippy) 337 7357
Almost there with plucking up the courage (by: kallis3) 285 21987
My creditors meeting is on Monday 7th September (by: Skippy) 200 6319
Spring is here, April weigh ins (by: Skippy) 197 10416
Good Morning Everyone (by: DebtDummy) 195 10647
What is your field of expertise ? (by: kallis3) 191 13576
Next Frugal Friends Meeting Bradford, 12th July (by: MelanieGiles) 190 11658
Hi,Have found this forum by googling (by: Skippy) 186 5817
New Year Resolution, start that diet (again !!) (by: aguise) 184 8439
Anyone got some Ebay advice? (by: kallis3) 178 6640
Frugal Friends confirmation (by: kallis3) 177 2595
IVA approved! thanks to everyone who posted (by: ordinary_world) 169 11494
told that I should take my daughter out of college (by: David Mond) 168 12009
Nintendo Wii (by: kallis3) 168 1781
in an IVA but I have had to give up work (by: flozza) 164 6176
School Dinners (by: Skippy) 164 3144
COLE (by: kallis3) 157 2383
council housing (by: look_divine) 153 3934
IVA fear (by: Max) 152 3358
HELP PLEASE!!!!! (by: Andy Davie) 149 5020
Frugal Friends Meeting Bradford 12th July (by: Viki.W) 148 7258
Newbie and very anxious! (by: MelanieGiles) 147 3242
I have contacted debt free direct (by: MelanieGiles) 146 5395
Frugal Friends Xmas Party 21st Nov (by: lesley_) 144 3639
Cost of food (by: kallis3) 143 3634
Britannia Hotel Birmingham 29th March (by: pixie) 141 7154
Frugal Friends Birmngham (by: Kazzy E) 139 6386
Debtmatters, Grant Thornton and Payplan (by: MelanieGiles) 136 13496
Full and Final Settlement (by: irish_ram) 134 10302
Who is coming to ff party nov 15th (by: David Mond) 133 6402
Help required from Blair Endersby (by: kallis3) 133 8918
ok so Ive don my research and now know what an (by: facefacts) 133 7723
Worrying n trying to be positive (by: kallis3) 130 1908
OMG I just spoke to my first creditor (by: kallis3) 130 2985
Weight Watchers (by: Julie) 129 6864
Wish I hadnt gone to work (by: debtfreesusie67) 129 5323
Having such a rubbish time. (by: elizabethr) 125 2431
Friday weighin Wk 1 All welcome (by: Kazzy E) 125 5518
Birthdays (by: Helen) 123 3876
im fat (by: emma_t) 122 2962
calm before the storm..gonna need support (by: shazzles) 122 3872
If your credit file reflects default (by: russie) 121 3663
thanks admin, (by: angela18) 120 3118
Whats your expertise (by: Skippy) 119 1870
Vikis Baby Pool (by: freelili) 117 2191
Boiler Juice (by: kallis3) 115 2233
Hello and help.... (by: lesley_) 114 1815
In IVA but considering bankruptcy (by: kallis3) 114 4181
somewhat confused with DFD (by: MelanieGiles) 113 2614
Manchester,25th February (by: Andrew Graveson) 113 5624
BR adverts to cease! (by: ladyc) 113 6383
MELANIE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! (by: Max) 111 2042
living with my shame and stupidity (by: Julie) 108 4255
SKIP AND LIL COOP SAID YES ! (by: flumpy dog) 107 2204
Council Tax and house repossession help! (by: facingittogether) 107 4092
Current IVA, not sure if its for me (by: lily) 106 5207
NICE PEOPLE (by: kallis3) 106 1742
xmas party (by: kallis3) 106 1714
What do you want for xmas? (by: debtmountain) 105 2783
in the process of applying for an IVA (by: angelc) 104 2338
Recieved my proposal (by: David Mond) 104 1601
babies of the forum. (by: Skippy) 103 1949
Harrys Blog Living With a Bankrupt Owner (by: kallis3) 103 4709
OR Telephone Meeting Today (by: UPINSMOKE) 103 7932
Gavin and Stacey (by: kallis3) 101 1916
Toothache (by: Lisa2009) 101 2192
The end of an era (by: Soulgrowth) 101 1929
9 days to creditor meeting.... (by: Molly) 101 1547
Everthing Crossed , IVA has been accepted!! (by: Trickles) 100 4715
Frugal Friends Slough We now have a venue! (by: Soulgrowth) 100 4952
goin 4 iva and ACCEPTED PHEW!!!!!!!!!!!!!!!!!!!!! (by: mark777) 100 3622
meeting 28th April 11am accepted!! (by: facingittogether) 99 2537
GOLDFISH (by: kallis3) 99 1966
HSBC very worried now (by: kallis3) 99 1832
Monthly Food Bill (by: kallis3) 98 2764
School Uniform (by: Lisa2009) 98 1407
When were IVAs made legal (by: kallis3) 97 2655
Down South? (by: emma_t) 95 5614
Just a general enquiry really! (by: David Mond) 95 2025
Upfront Fees (by: facingittogether) 94 3582
THE MAN FROM GRANT THORNTON HE SAY YES!. (by: ivoriva) 93 4911
Marie! (Part 2) (by: Moneystinks) 93 1493
GirlieTrip to Dublin (by: michael.t47) 93 1914
Its a Yes (by: kallis3) 93 1355
Work (by: kallis3) 92 1231
How to spend your 60 tax refund! (by: kallis3) 92 2765
letter to IP (by: millsy22) 92 2475
The boiler saga continues.... (by: kallis3) 90 876
Pet Insurance (by: kallis3) 90 1635
So embarrassed (by: MelanieGiles) 90 2373
Last pic for a week. (by: freelili) 90 1957
baby (by: kallis3) 90 2294
Poorly puppy (by: lesley_) 89 1413
Loss of a much loved pet through an IVABankruptcy (by: kallis3) 89 5092
Christmas is coming.....time to start planning! (by: olympic_torch) 89 2186
freelili (by: admin) 89 2131
success but additional contributions needed (by: Martin2011) 88 3335
can i have a holiday when in an iva (by: Dominic) 87 5665
Not all that it seems has evolved into sport! (by: BECKY) 87 1840
A good day for the Swans! (by: kallis3) 87 1269
Fireworks! (by: kallis3) 86 1022
Bankruptcy threat (by: vicky 11) 86 2884
AldiASDA Saving tip (by: cat 1) 86 3639
new member first questions (by: Helen) 85 2633
Devastated (by: MelanieGiles) 84 10314
IVA consumer for Melanie and skippy & David Mond (by: Viki.W) 83 3334
Facebook (by: mikebdomain) 83 2300
A bit of a rant! (by: admin) 83 1826
variation rejected (by: Julie) 83 1796
IVA COUNCIL (by: MelanieGiles) 82 18254
Revolting flavour crisps (by: kallis3) 82 2558
Todays Post getting me down (by: MelanieGiles) 82 4537
food allowance (by: hope4us) 82 2748
Advice please (by: johnpaul) 81 1800
what will happen if my partner cant get a job? (by: MelanieGiles) 81 1886
income based benefits (by: look_divine) 81 1466
has anyone heard of creditfix (by: lesley_) 81 2032
Social networks (by: sparklywatcher) 81 1249
Because I receive benefits I cannot get an IVA (by: rhondda2) 80 1680
Frugal Friends (by: David Mond) 80 1756
The Tree is up (by: kallis3) 80 1020
fighting bankcruptcy (by: Max) 79 1703
Help and advise Needed (by: MelanieGiles) 79 3276
Made the call (by: helpIVA) 78 2576
I have debt of 28700, (by: kallis3) 78 1960
ExKitten Katona is made bankrupt (by: MelanieGiles) 78 3082
niece evicted this morning some advice please. (by: Andy Davie) 77 4570
coming to the party ? check youre on the list ! (by: aguise) 77 4223
HELP (by: losing our heads) 77 2927
iva rejectedadjournedACCEPTED!!!!!!!!!! (by: Fugazi) 77 2552
DLA IVA? (by: kallis3) 76 2403
New Forum Member (by: MelanieGiles) 76 1320
Suspended from work (by: Skippy) 76 3280
40k debts, 36k pa salary IVA? (by: freelili) 75 4189
Worrying (by: size5) 75 1449
Holidays where are we all going on a budget ? (by: Skippy) 75 3839
At the vets again! (by: kallis3) 75 1773
Creditors meeting on Monday...APPROVED (by: angela18) 75 3131
do you smoke? (by: Soulgrowth) 75 2004
Swine Flu. (by: kallis3) 75 1197
Pay Offs (by: Skippy) 74 2929
CLOTHING EXPENDITURE ON A IVA (by: scaredkez) 73 2744
Im in hospital. (by: Skippy) 73 1023
is there any provision in an iva for any holiday (by: Skippy) 73 1204
worst ever songrecordband (by: debtmountain) 73 1599
Next meeting (by: inapickle) 73 2011
Favourite Smells! (by: kallis3) 73 1997
Changes to Cashminder Account (by: Adam16) 73 3721
Freecycle (by: angelrainbow) 73 2398
Hubby really great! (by: kallis3) 73 1116
worst food youve eaten. (by: kallis3) 72 1461
So Stressed!! (by: debtmountain) 72 4257
I am going into a coma until 2010 I think. (by: kallis3) 72 1550
company name deleted by request (by: kallis3) 72 7946
Just when Im beginning to feel human (by: kallis3) 72 480
Offer accepted on the Restaurant (by: Soulgrowth) 72 2038
OUCH, OUCH Blinking OUCH! (by: Viki.W) 72 1475
newbie (by: Wizzard) 72 1064
Can you join the army well in a IVA (by: MelanieGiles) 72 2922
Does anyone mind.............. (by: kallis3) 72 1159
FF Meeting 21st November (by: zim zim) 72 1203
whats happened to the forum? (by: OPTIMIST12) 71 1839
Embarrasing Moments (by: debtmountain) 71 2530
Despression. hope Declan can help out (by: downanddone) 71 2638
What courses of action are open to me to appeal (by: scooby0) 71 2726
The Ashes (by: johnnybriggs) 71 900
really struggling (by: kallis3) 71 1518
Pets! (by: Skippy) 70 807
i have been in an iva for almost five years, (by: rhondda2) 70 3291
First Steps (by: kallis3) 70 2291
I hope you can help me I am at my wits end (by: dawn.d) 70 2420
Help Im drowning (by: MelanieGiles) 70 3282
Do you actually have debt written off? (by: kah) 69 2357
TV Nostalgia (by: Skippy) 69 3869
What is considered to be a fair F & F offer? (by: Lisa2009) 69 2432
B*gger! (by: kallis3) 69 2032
IVA ACCEPTED TODAY OH MY GOD! (by: thebear29uk) 68 3001
Some lovely news (by: Viki.W) 68 1431
Just found this section! (by: Lisa2009) 68 2920
Anyone managing a holiday this year? (by: flow13) 68 1581
Proposals have been drawn up (by: kallis3) 68 1357
Creditor calls after known acceptance of IVA (by: ivas4us) 68 2266
is it against the rules (by: kallis3) 68 1744
is it normal to feel like this (by: orchid5) 68 1214
Going to court tomorrow (by: kallis3) 68 1044
Smoking allowance (by: kallis3) 68 1355
Help Please (by: Reviva UK) 67 1609
i have my meeting at 10.05 in the morning (by: kallis3) 67 1116
24 hours to go... ITS BEEN APPROVED!!!!! (by: emma_t) 67 2118
Getting closer to F&F settlement (by: musicmadmac) 67 3051
An update on the coop visa debit for Cashminder (by: kallis3) 67 1822
frugal friends (by: kallis3) 66 1385
My Mum (by: kallis3) 66 2102
I am in an IVA, which is not good for me (by: mumfop) 66 2881
Top secret IVA (by: kallis3) 66 1264
ITS BEEN ACCEPTED, I FEEL LIKE IVE WON THE LOTTERY (by: iva.com) 66 2063
February weigh ins..where is everyone! (by: pixie) 66 2897
New members? (by: chardonnay) 66 1915
Final IVA payment (by: MelanieGiles) 65 4270
young love! (by: kallis3) 65 672
Help please (by: MelanieGiles) 65 5782
Any doctors on this forum? (by: kallis3) 65 1604
IVA co writing to my employers to inform them (by: angela18) 65 1914
Opening a basic bank account... (by: kallis3) 65 3561
meeting today first day of the rest of my life! (by: Beans on Toast) 65 1770
Devastated (by: sps) 65 2408
Debt collector has just been to my house! (by: Wizzard) 65 2114
MP allowances (by: kallis3) 65 1886
applying for a IVA and getting mixed messages! (by: David Mond) 65 1494
would very much appreciate your help (by: size5) 64 1789
S.A.Y.E. ?? (by: kallis3) 64 2079
MUFC (by: David Mond) 64 2788
Postcode for map? (by: aguise) 64 3833
took me 5 months to build up the courage to post (by: Andy Davie) 64 2185
on the way (by: lily) 64 3114
over drafts (by: kallis3) 64 1119
I have to decided to cancel my IVA proposal (by: rainbowofhope) 64 1668
I have a huge dilemma with my IVA. (by: rayb) 64 1821
Viki and Lily Update (by: debtmountain) 63 1622
simple debt solutions (by: Julie) 63 1420
6 Months in and are in major trouble (by: confuzzled) 63 2913
like to know if this is sound advice? (by: Skippy) 63 1592
Christmas food shopping.. (by: kallis3) 63 638
March weigh ins, keep it up folks (by: Skippy) 63 3280
Trampolines! (by: kallis3) 63 1102
BR Question (by: size5) 63 1183
Cant believe it! (by: Lisa2009) 62 1460
IVA meeting 26th June, NR rejected...Im gutted (by: westonr) 62 4230
WHO ARE MAX RECOVERY (by: johnpaul) 62 1579
officially redundant (by: kallis3) 62 883
Prepaid envelopes and junk mail (by: kallis3) 62 3780
phobias (by: aguise) 62 1485
House Market Crash and IVA (by: Skippy) 62 2916
admin (by: michael.t47) 62 877
Letter (by: lesley_) 62 919
Has anybody been on holiday during an iva? (by: kallis3) 61 1897
Weight Watchers Week 3 (by: Skippy) 61 2908
Full and final??? (by: Michael Peoples) 61 3278
CCJ advice (by: kallis3) 61 1887
IS ANYBODY GOING TO GO THOUGH THIS AGAIN (by: Andy Davie) 61 4559
why do so many IVAs seem to fail..? (by: ray_a) 61 2579
Northern Rock goes belly up? (by: Skippy) 61 4565
Relax GroupSynergi goes into Administration (by: Andy Davie) 61 3488
I have just had my IVA terminated (by: MelanieGiles) 61 2001
Training as a debt advisor (by: kallis3) 61 3140
 
Media Coverage

Sun
"£££s split one in two"
- Print

Daily Mirror
"A-Z of Getting Out of Debt"
- Print

Daily Mirror
"Debt Relief Orders"
- Print

Credit Today
"Firms warned by OFT"
- Print

Credit Today
"OFT targets debt solutions mis-selling"
- Online
IVA CALCULATOR
Do you qualify
for an IVA?

Write off up to 70%
Ave write off 45%

Total Debt:
£
No of creditors:
Monthly income:
£
Monthly expenses:
£
Own home?
Yes No

Frugal Friends
Find frugal friends:
Insolvency Jobs
Apply for the latest insolvency jobs
Prepaid cards
Prepaid Card
Instant bank account, buy stuff online, no credit history needed.
Creditor Voting
See how creditors voted.
Let us know your creditor voting
Testimonials
See what people are saying about this website.
Free E-Books

Avoiding ID Theft
How to avoid ID theft
 

Parking Fines Guide
How to get parking fines refunded!
Bank Charges Guide
How to get all bank charges from the last 6 years refunded!
IVA & Debt Leaflet
Find out all the debt solutions that are available.

Budgeting at christmas
How to manage your finances at Christmas
 

Credit Repair Guide
Find out how your credit file works and find out some ideas for how you can improve it.
The Debt Penalty

Online documentary about debt.
The IVA Book
Get the IVA Book from Amazon or visit the official support site here
Read blogs from people doing IVAs:
IVA blog from Steve Hitchens