Get, confidential debt advice
If unsecured debt is piling up faster than you can manage it, an Individual Voluntary Arrangement could combine what you owe into one affordable monthly payment — and legally protect you from further creditor action while it's in place.
An IVA may not be right for everyone. Fees apply and your credit file will be affected for up to 6 years.
Tell us a little about your situation. No obligation, ever.
The process
Every situation is different, so we build the picture with you before anything is decided.
A short, judgement-free call about your income, debts and who you owe money to. Nothing is agreed at this stage.
We'll set out what may be available — including an IVA — in plain English, with the benefits and the risks.
If an IVA looks right, we help you prepare a proposal for your creditors. If it isn't right, we'll say so.
In plain English
An Individual Voluntary Arrangement is a formal, legally binding agreement between you and the people you owe money to. It's arranged through a licensed insolvency practitioner and usually runs for around five to six years.
Instead of juggling separate repayments to each creditor, you make one affordable monthly payment based on what you can genuinely afford. Once the arrangement is approved, your creditors can't add further interest or take legal action against you while it runs — and at the end of the term, any remaining eligible balance is typically written off.
Find out if I qualify →The potential benefits
Turn several separate repayments into a single amount based on what's actually affordable.
Most solutions stop further interest and charges building up on eligible balances.
Once your creditors are notified, calls, letters and collection activity should ease off.
Formal solutions like an IVA give you protection from further legal action while it runs.
Whatever remains unpaid at the end of a successful arrangement is typically cleared.
One route forward you understand, instead of managing everything alone.
Is this you?
Unsecured debts we may be able to help with
Before you get in touch
There's no cost and no obligation to proceed after your initial check.
If you go ahead with a solution, any fees involved will be explained clearly before you decide.
Formal solutions like an IVA are recorded on your credit file for up to 6 years.
The right route depends on your income, debts, assets and personal circumstances.
Common questions
Most arrangements run for around five to six years, though the exact term depends on your circumstances and what's agreed with your creditors.
Once creditors included in the arrangement are formally notified and it's approved, they're legally bound by it and should stop direct collection activity.
No. Homeowners and tenants can both potentially qualify for an IVA — eligibility depends on your overall income, debts and circumstances rather than housing status alone.
An IVA is recorded on your credit file for six years from the date it starts, which can affect your ability to get credit during and shortly after that period.
Yes. Everything you share with us is treated confidentially and is only used to give you accurate advice about your options.
One short conversation could tell you a lot. There's no cost, and no pressure to proceed.