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How It Works

What Exactly Is An IVA?

It's very simple. All you do is make one affordable monthly payment to a qualified legal professional, who in turn distributes the payments according to the amounts previously agreed by your creditors in an IVA proposal.

You do this every month, for 60 months, and at the end of the term any debt balances you still owe are written off. You don't have to deal with nasty creditors any more, and all the hard work is done for you. And since an IVA is a legally binding agreement, your creditors can’t back out or change the terms after they agree to them.

What Are The Benefits?

An IVA is often considered to be a great option for many people who find themselves in debt. Here’s why:

  • Have up to 75% of your unsecured debt legally written off
  • Substantially reduce your monthly bill payments
  • Interest and late payment charges are instantly frozen
  • Creditors are forced to stop all communication with you
  • You will be completely debt free in just 60 months
  • You make just one monthly payment for all of your debts
  • You will keep your assets including your home and your car

IVA Qualifications

Debts That You Can Be Included

You can include any of the following debts in an IVA:

  • Credit Cards
  • Store Cards
  • Payday Loans
  • Overdrafts
  • Personal Loans
  • Lines Of Credit
  • Business Debt
  • Catalogues

If you owe money to other types of creditors then you can still file an IVA, but you cannot include those debts in your IVA. Click the link below to check if you qualify today.

Do I Qualify For An IVA?

In order to qualify for an IVA you must meet the following criteria:

  • You are £5,000 or more in debt
  • You owe money to two or more creditors
  • You can pay back a minimum of £75 per month
  • You are employed or self employed
  • You are £5,000 or more in debt
  • You owe money to 2 or more creditors
  • You can pay back at least £75/m
  • You are employed or self employed

Click the link below, answer a few questions and we’ll let you know if you qualify for an IVA. If so, we’ll connect you with a debt advisor who can help you become debt free the fastest way possible.

IVA Example

UNSECURED DEBTS

  • Credit Card #1£8,500
  • Credit Card #2£4,000
  • Credit Card #3£6,000
  • Personal Loan£1,500
  • Store Card£5,000
  • Payday Loan£2,000
  • Overdraft£1,000
  • Total Owed£28,000

YOUR TOTAL OWING

YOUR MONTHLY PAYMENTS

BEFORE IVA
£700

PER MONTH

AFTER IVA
£140

PER MONTH

Payments
Reduced By 80%

TOTAL OWED
£28K
NOW OWING
£8.4K
WRITTEN OFF
£19.6K
Spots Remaining
See If I Qualify