IVA Debt-Help

IVA Debt Help | Professional Debt Advisors

Get debt help
with an IVA

Leaving debts unpaid can often lead to bailiff action. Here’s how to prevent that

  • Write off unaffordable debt*
  • Lower your debt repayments
  • Remove any worries or stress
Get Your IVA Consultation
Prefer to read first? See how an IVA works ↓
Man with headset
Woman on phone

May not be suitable in all circumstances. Fees may apply, and your credit rating may be affected.

  • Write off unaffordable debt
  • Lower your debt repayments
  • Stop interest & charges soaring
Money Helper

To find out more about managing your money and getting free advice, visit Money Helper, an independent service set up to help people manage their money.
If you’re considering an IVA or other debt solution, you can also check if you qualify for help here ↓

An IVA deals with all types of debt, including…

From high-street lenders to sub-prime loans, an IVA can reduce your repayments, write off unaffordable debt, and help you regain financial freedom.

Not sure if your debts qualify for an IVA? Check if you qualify for IVA help ↓

Unsecured Loans
Store Cards
Business Debt
Utility Bills
Catalogue
Overdrafts
Stop Bailiff – See if you qualify

Complete the questions below and see if you qualify for help.

Safe, secure, confidential

Prefer to read first? See how IVA debt help works or browse the IVA FAQs.

Great news 🎉 it looks like we can help!

We just need a few more details to get your results.

Step 1 of 5

What is your total debt amount?

Knowing your total debt helps us determine which debt solutions, including IVA debt help, may be suitable for you. You can also review the 3 simple steps or check the IVA FAQs.

How IVA debt help
works for you

If you’re struggling with unaffordable debt, an Individual Voluntary Arrangement (IVA) could let you make one affordable payment, freeze interest and write off a portion of what you owe, whilst providing legal protection from creditors, including bailiffs.

Want practical next steps? See the 3 simple steps or check if you qualify for IVA help.

IVA debt help and guidance illustration

When an IVA can help with debt

An IVA is designed for people with multiple unsecured debts (such as credit cards, loans and arrears) who can afford a reasonable monthly payment but not their current contractual payments. We’ll perform an initial fact find to see how best to help you. If you meet the criteria for an IVA you will be referred to our associate company Arkle Insolvency Limited for advice and information on the debt solutions available to you including a Debt Management Plan, Debt Relief Order or Bankruptcy so you can make a confident, informed choice. You can also read the IVA FAQs for more detail.

Unsecured debts over £6,000?
Owe money to 2 or more creditors?
Struggling with monthly repayments?
Living in England, Wales or Northern Ireland?

See if an IVA could help you write off debt

Struggling with unaffordable unsecured debt? An Individual Voluntary Arrangement (IVA) could help you write off a portion of what you owe, reduce your monthly payments and give you legal protection from most creditors.
Prefer to read first? See how IVA debt help works ↓

Check IVA eligibility

Worried your debts are getting out of control? An IVA lets you make one affordable monthly payment, usually over 5–6 years, with remaining qualifying debt written off at the end. Interest and charges are typically frozen, and creditors should stop most contact once the IVA is in place.

See if you qualify for IVA help

Prefer to read more first? See how IVA debt help works ↓

8 Ways Debt Help Could Benefit You

Professional IVA debt help can make a real difference, helping you regain control of your finances and reduce the stress of unaffordable debt.

1
Freeze interest and additional charges on your debts
2
Reduce stress and anxiety about money
3
Make just one affordable monthly payment
4
Get legal protection from creditors
5
Stop creditor hassle, calls, and letters
6
Gain peace of mind and financial control
7
Potentially write off part of your debt
8
Avoid borrowing from family or friends

Ready to take the next step? See the 3 simple steps or check if you qualify for IVA help.

Achieving Debt Freedom, Starting with Just 3 Simple Steps

Getting out of debt can feel overwhelming but taking it one step at a time can lead you to complete financial freedom. Our process is simple, supportive, and tailored to your situation.

Ready to get started? Go straight to the qualifying questions.

Step 1
Take the First Step

Answer a few quick questions to give us a clear picture of your financial situation. This helps us understand how we can best support you.

Try it here
Step 2
Speak with Our Experts

Talking about debt can be difficult, but our empathetic experts will guide you through it.

Try it here
Step 3
Take Control of Your Debt

Once we’ve explored your options together, it’s over to you. With the right plan in place, debt freedom is within reach.

Try it here

IVA

Frequently Asked Questions
Ready to talk through your options? Check if IVA help could work for you ↓

1 What is an IVA?
An Individual Voluntary Arrangement (IVA) is a legally binding agreement with your creditors to repay all or part of your debts over time, usually five years. Once complete, remaining qualifying debts can be written off.
2 Who can apply for an IVA?
Anyone aged 18 or over who lives in England or Wales, has unsecured debts they can’t afford, and a regular income. We will assess your situation and let you know if you may be eligible.
3 How do I set up an IVA?
Where you meet the criteria for an IVA you will be referred to our associate company Arkle Insolvency Limited for advice and information on the debt solutions available to you. If you choose the IVA, they will prepare a proposal and present it to your creditors for approval.
4 How long does an IVA last?
Typically five years, but it can be extended to six if needed. Your payments are reviewed annually to keep them affordable.
5 What debts can be included?
Unsecured debts such as credit cards, loans, overdrafts, council tax, and utility bills. Secured loans, student loans, and criminal fines usually can’t be included.
6 Will an IVA affect my credit score?
Yes. It stays on your credit file for six years from the start date and is listed on the Insolvency Register until three months after completion.
7 How much does an IVA cost?
Setup and management fees are included within your monthly payment — there are no upfront costs. Everything is explained clearly before you start.
8 What if my income changes?
Inform your Insolvency Practitioner immediately. If your income rises or you receive new assets, your payments may be reviewed.
9 Can an IVA stop creditor action?
Yes. Once your IVA is approved, included creditors must stop adding interest or taking legal action against you.
10 What happens when my IVA ends?
After your final payment, any remaining qualifying debts are written off. You’ll receive a completion certificate and be removed from the Insolvency Register within three months.