IVA Advice
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IVA Advice | Free IVA Calculator | Official Site [2025]
What Is An IVA
If you are struggling with unaffordable debts then an Individual Voluntary Arrangement may be a solution to your problems. An IVA allows you to only pay what you can afford to your unsecured debts each month. All interest and charges will be frozen to 0% and creditors will be prohibited from demanding additional payments.
Do I Qualify For Help?
Whether you can get an IVA to help you get out of debt, depends on your personal circumstances. In general to qualify for this debt solution, your debts must be over £5,000. You must also have 2 or more different creditors and you must be technically insolvent. This means that you must be unable to pay all of your debts as they fall due for payment.
Pros and Cons
WRITE-OFF the unsecured debt you can't afford to repay.
FREEZE interest & charges.
STOP letters, calls and legal action.
NO MORE CREDIT whilst you are in your IVA.
CREDIT RATING will be affected for six years after your IVA starts.
TIME, an IVA usually lasts for 5 years.
Free Help and Advice
Before you consider applying for an IVA you should use our online Get Out Of Debt test, this will help you find out whether an IVA is the best option for you.
Or you can call our
Free Helpline on 0800 368 8286
Our Insolvency Practitioners do not charge you for any advice or support.
With thousands of people struggling with their debts in the UK, this service has been launched to ensure people get the confidential and impartial advice they need when they need it.
There are many ways to help you get out of debt and pave the way to a happier debt-free future for you and your family.
Our free IVA calculator is completely confidential, and if you qualify for help, we can hold your hand through every step to help you get out of debt. Learn more >
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